Sumter County property record for 923 Ramos Dr, Lady Lake, FL 32159
| Property Type | Single Family Home |
|---|---|
| Details | 1,764 sqft · built 1995 |
| Lot Size | 0.187 acres (8,136 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $176,000 (Feb 1999) |
| Tax Bill | $3,819 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Dec 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 121823D12D030 |
| Primary APN | 121823D12D030 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,764 sqft Living Area |
|---|---|
| Gross Area | 2,204 sqft |
| 1st Floor Area | 1,764 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Block |
| Construction Type | Wood |
| Lot Area | 8,136 sqft (0.187 acres) |
| Lot Dimensions | 113 ft deep x 72 ft wide |
| View / Lot | Golf Course |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 288 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Street Address | 923 RAMOS DR |
|---|---|
| City | LADY LAKE |
| State | FL |
| Zip | 32159-8685 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 30 THE VILLAGES OF SUMTER UNIT NO.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 | 30 |
| Jurisdiction | SUMTER FL |
| Township / Civil Division | WILDWOOD |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 910800 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 923 RAMOS DR, THE VILLAGES, FL 32159-8685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Mar 27, 2019 | Deed of Trust, Mortgage · ARM ASSOCIATED BANK NA |
| Dec 6, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 5, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 1999 · Amount on Record |
| Deed Sale | Feb 8, 1999 · Amount on Record |
| Deed Book / Page | 728 / 433 |
| Last Transfer Date | Nov 1, 2019 |
| Transfer Doc | 0036660746 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMTER FL |
| Property Address | 923 RAMOS DR, THE VILLAGES, FL 32159-8685 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035430551 |
|---|---|
| Date | Mar 27, 2019 |
| Book Page | 3543/0551 |
| Instrument | 201960011064 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Dec 6, 2019 |
| Property Address | 923 RAMOS DR, THE VILLAGES, FL 32159-8685 |
| Document Number | 0036660746 |
| Book / Page | 003666 / 000746 |
| Instrument Date | Nov 1, 2019 |
| Instrument | 60046972 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 923 RAMOS DR THE VILLAGES FL 321598685, THE VILLAGES, FL 32159-8685 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SUMTER FL |
| Recording Date | Feb 5, 2019 |
| Property Address | 923 RAMOS DR, THE VILLAGES, FL 32159-8685 |
| Document Number | 0035200367 |
| Book / Page | 003520 / 000367 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 60003705 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 923 RAMOS DR THE VILLAGES FL 321598685, THE VILLAGES, FL 32159-8685 |
Source: Sumter County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sumter County |
| Unified School District | Sumter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,819.00 (+1.33%) Homeowner's exemption | $329,810 (+5.98%) | $433,200 (+0.28%) Land $122,040 Building $311,160 |
| 2024 | $3,769.00 (+8.87%) | ||
| 2023 | $3,462.00 (+3.01%) Additional exemption filed | $311,190 (+3%) | $431,980 (+12.16%) Land $122,040 Building $309,940 |
| 2022 | $3,361.00 Homeowner's exemption | $302,130 | $385,150 Land $97,630 Building $287,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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