746 Ramirez Ave, The Villages (Lady Lake), FL 32159 Property Records

Sumter County property record for 746 Ramirez Ave, The Villages, FL 32159

Property Summary

Property Type	Single Family Home
Details	1,385 sqft · built 1995
Lot Size	0.09 acres (3,958 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Dec 2020)
Tax Bill	$3,272 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`D12E125`

Property Details

APN / Parcel Number

Primary APN	`D12E125`
Alternative APN	`1011630`

Interior

Building Area	1,385 sqft Heated Area

Exterior

Year Built	Built 1995
Architectural Style	Other
Construction Type	Concrete
Lot Area	3,958 sqft (0.09 acres)
Garage Area	248 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	49 sqft

Location & Zoning

Account Number	1011630
Street Address	746 RAMIREZ AVE
City	THE VILLAGES
State	FL
Zip	32159-8680
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 125 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	VILLAGES/SUMTER VILLA DE LA ME
Legal Lot Number	125
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1013
Census Tract	910800

Owner

746 Ramirez Ave is owned and occupied by an individual who bought it in December 2020.

Source: Sumter County records, as of December 19, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	746 RAMIREZ AVE, LADY LAKE, FL 32159-8680
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Warranty Deed, Transfer · Conventional Mortgage CITIZENS FIRST BANK INC
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Prior Sale	Nov 20, 1995 · Amount on File
Deed Document Number	202060056236
Deed Book / Page	3888 / 330
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Dec 23, 2020
Property Address	746 RAMIREZ AVE, THE VILLAGES, FL 32159-8680
Document Number	0038880330
Book / Page	3888 / 330
Map Reference	MB 4 PG 102,102A
Instrument Date	Dec 1, 2020
Instrument	202060056236
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	AFFILIATED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 WINTERS PKWY, 1003, DAYTON, NV 89403-6796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	746 RAMIREZ AVE, LADY LAKE, FL 32159-8680

Mortgage

Document Number	0003888332
Date	Dec 23, 2020
Instrument	3888/332

Lender

Name	CITIZENS FIRST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	746 RAMIREZ AVE, THE VILLAGES, FL 32159-8680
Document Number	0033270217
Book / Page	003327 / 000217
Instrument Date	Oct 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	746 RAMIREZ AVE LADY LAKE FL 321598680, LADY LAKE, FL 32159-8680

Mortgage

Document Number	0033270217
Date	Oct 31, 2017
Book Page	003327/000217
Instrument	60035542

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of July 1, 2025

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		$259,400 Land $23,750 Building $235,650	$259,400 Land $23,750 Building $235,650
2024	$3,272.00 (+10.09%)
2023	$2,972.00 (+6.94%)	$260,290 (+21.21%) Land $15,830 Building $244,460	$260,290 (+5.52%) Land $15,830 Building $244,460
2022	$2,779.00	$214,740	$246,670 Land $15,830 Building $230,840

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

Flood

FEMA maps place 746 Ramirez Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 746 Ramirez Ave is low, with a 0.01% annual chance of 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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