738 Ramirez Ave, Lady Lake, FL 32159 Property Records

Sumter County property record for 738 Ramirez Ave, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	1,102 sqft · built 1995
Lot Size	0.091 acres (3,958 sqft)
Owner	Company Name on File
Tax Bill	$1,688 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`121823D12E121`

Property Details

APN / Parcel Number

Primary APN	`121823D12E121`
Alternative APNs	`D12E121` `1011626`

Interior

Building Area	1,102 sqft Living Area
Gross Area	1,628 sqft
1st Floor Area	1,102 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	3,958 sqft (0.091 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	161 sqft

Location & Zoning

Street Address	738 RAMIREZ AVE
City	LADY LAKE
State	FL
Zip	32159-8680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 121 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	121
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1013
Census Tract	910800

Owner

Source: Sumter County records · APN 121823D12E121

Assessment roll updated December 2, 2025 · Last verified April 2026

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

Owner of Record	Company Name on File
Mailing Address	738 RAMIREZ AVE, THE VILLAGES, FL 32159-8680
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 09, 2011
Transfer Doc	0023600289
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	738 RAMIREZ AVE, THE VILLAGES, FL 32159-8680
Transaction Type	Mortgage
Record Updated	May 24, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 RAMIREZ AVE, LADY LAKE, FL 32159-8680

Mortgage

Document Number	0042580704
Date	Apr 29, 2022
Book Page	4258/704
Instrument	202260022438

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Feb 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Sumter County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,688.00 (+1.32%) Homeowner's exemption	$143,050 (+5.98%)	$238,380 (+1.55%) Land $23,750 Building $214,630
2024	$1,666.00 (+18.41%)
2023	$1,407.00 (+3.76%) Additional exemption filed	$134,980 (+3%)	$234,750 (+9.68%) Land $15,830 Building $218,920
2022	$1,356.00 Homeowner's exemption	$131,050	$214,030 Land $15,830 Building $198,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Lumen Technologies, Verizon.

Based on FCC filings for 783 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.