920 Ramos Dr, Lady Lake, FL 32159 Property Records

Sumter County property record for 920 Ramos Dr, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	2,242 sqft · built 1994
Lot Size	0.226 acres (9,856 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,500 (Jan 2019)
Tax Bill	$4,261 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`121823D12D010`

Property Details

APN / Parcel Number

Primary APN	`121823D12D010`
Alternative APNs	`D12D010` `1011470`

Interior

Building Area	2,242 sqft Living Area
Gross Area	2,766 sqft
1st Floor Area	2,242 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Custom Design
Exterior Material	Block
Construction Type	Wood
Lot Area	9,856 sqft (0.226 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	84 sqft

Location & Zoning

Street Address	920 RAMOS DR
City	LADY LAKE
State	FL
Zip	32159-8684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 THE VILLAGES OF SUMTER UNIT 3 PLAT BOOK 4 PAGES 103-103A
Legal Range	23E
Legal Township	18S
Legal Section	12
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	10
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2021
Census Tract	910800

Owner

Source: Sumter County records, as of December 2, 2025

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	920 RAMOS DR, THE VILLAGES, FL 32159-8684
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Prior Sale	Jun 22, 2016 · Amount on Record
Deed Document Number	20192894
Deed Book / Page	3517 / 469
Prior Transfer Date	Aug 11, 2007
Prior Transfer Doc	0018880132
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Jan 29, 2019
Property Address	920 RAMOS DR, THE VILLAGES, FL 32159-8684
Document Number	0035170469
Book / Page	3517 / 0469
Map Reference	MB 4 PG 103&130-A
Instrument Date	Nov 8, 2018
Instrument	201960002894
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CENTRAL FLORIDA TITLE VILLAG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,970.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 COLLINS RD, 18, EAST GREENBUSH, NY 12061-3708

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 RAMOS DR, LADY LAKE, FL 32159-8684

Mortgage

Document Number	201960002895
Date	Jan 29, 2019
Instrument	201960002895

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2033

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of December 2, 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	$4,261.00 (-3.94%)	$335,680 (-8.55%) Land $59,140 Building $276,540	$335,680 (-8.55%) Land $59,140 Building $276,540
2024	$4,436.00 (+2.92%)
2023	$4,310.00 (+6.52%)	$367,080 (+17.47%) Land $39,430 Building $327,650	$367,080 (+4.92%) Land $39,430 Building $327,650
2022	$4,046.00	$312,490	$349,850 Land $39,430 Building $310,420

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

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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

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	0.02% annual chance
Exposure	Direct burnable vegetation

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20