728 Ramirez Ave, Lady Lake, FL 32159 Property Records

Sumter County property record for 728 Ramirez Ave, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	1,094 sqft · built 1994
Lot Size	0.1 acres (4,355 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Dec 2025)
Tax Bill	$1,259 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`121823D12E116`

Property Details

APN / Parcel Number

Primary APN	`121823D12E116`
Alternative APNs	`D12E116` `1011621`

Interior

Building Area	1,094 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,094 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	4,355 sqft (0.1 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	169 sqft

Location & Zoning

Street Address	728 RAMIREZ AVE
City	LADY LAKE
State	FL
Zip	32159-8771
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 116 THE VILLAGES OF SUMTER VILLA DE LA MESA PLAT BOOK 4 PAGES 102- 102C
Legal Range	23E
Legal Township	18S
Legal Section	12
Legal Subdivision	THE VILLAGES OF SUMTER VILLA DE LA MESA
Legal Lot Number	116
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1013
Census Tract	910800

Owner

Source: Sumter County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	56 FRENCH AVE, EAST HAVEN, CT 06512-3314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Deed Document Number	202558976
Deed Book / Page	5007 / 529
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	0038860071
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Dec 9, 2025
Property Address	728 RAMIREZ AVE, THE VILLAGES, FL 32159-8771
Document Number	0050070529
Book / Page	5007 / 529
Map Reference	MB 4 PG 102&102A-102
Instrument Date	Dec 1, 2025
Instrument	202560058976
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	AFFILIATED TITLE/CTRL FL, AFFILIATED TTL OF CTRL FL LT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46723 FERGUSON LN, MACOMB, MI 48044-3779

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 FRENCH AVE, EAST HAVEN, CT 06512-3314

Mortgage

Document Number	0005007531
Date	Dec 9, 2025
Instrument	5007/531

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMTER FL
Recording Date	Dec 18, 2020
Property Address	728 RAMIREZ AVE, THE VILLAGES, FL 32159-8771
Document Number	0038860071
Book / Page	003886 / 000071
Instrument Date	Nov 4, 2020
Instrument	60055687
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	728 RAMIREZ AVE THE VILLAGES FL 321598771, THE VILLAGES, FL 32159-8771

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of January 26, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Sumter County
Unified School District	Sumter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,259.00 (+1.21%) Additional exemption filed	$100,280 (+5.97%)	$218,990 (-7.74%) Land $26,130 Building $192,860
2024	$1,244.00 (+25.91%)
2023	$988.00 (+4.11%) Additional exemption filed	$94,630 (+2.99%)	$237,350 (+9.61%) Land $17,420 Building $219,930
2022	$949.00 Homeowner's exemption	$91,880	$216,550 Land $17,420 Building $199,130

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people · EPA ID FL3350942
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	VILLAGE WATER
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 783 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Verizon.

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