977 Sumner Loop, The Villages, FL 32163 Property Records

Sumter County property record for 977 Sumner Loop, The Villages, FL 32163

Property Summary

Property Type	Single Family Home
Details	1,735 sqft · built 2020
Lot Size	0.178 acres (7,732 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Apr 2025)
Tax Bill	$6,457 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231923G23C049`

Property Details

APN / Parcel Number

Primary APN	`231923G23C049`
Alternative APN	`G23C049`

Interior

Building Area	1,735 sqft Living Area
Gross Area	2,874 sqft
1st Floor Area	1,735 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Construction Type	Steel Frame
Lot Area	7,732 sqft (0.178 acres)
Garage Type	Attached
Garage Area	693 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch

Location & Zoning

Street Address	977 SUMNER LOOP
City	THE VILLAGES
State	FL
Zip	32163-5577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 49 VILLAGES OF SOUTHERN OAKS UNIT 44A PB 18 PGS 17-17E
Legal Range	23E
Legal Township	19S
Legal Section	23
Legal Subdivision	VILLAGES OF SOUTHERN OAKS
Legal Lot Number	49
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2011
Census Tract	911301

Owner

Source: Sumter County assessment roll, as of January 26, 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 File
Mailing Address	1405 MADRIGAL LN, LADY LAKE, FL 32159-8752
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2025 · Amount on Record
Deed Sale	Apr 29, 2025 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	202520305
Deed Book / Page	4851 / 272
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Sep 4, 2020
Property Address	977 SUMNER LOOP, THE VILLAGES, FL 32163-5577
Document Number	0038190712
Book / Page	3819 / 712
Map Reference	MB 18 PG 17&17A-17R
Instrument Date	Aug 19, 2020
Instrument	202060038527
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	PENINSULA LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,081.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3619 KIESSEL RD, 3619, THE VILLAGES, FL 32163-2909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 SUMNER LOOP, THE VILLAGES, FL 32163-5577

Mortgage

Document Number	0003819713
Date	Sep 4, 2020
Instrument	3819/713

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,457.00 (+0.99%) Additional exemption filed	$281,500 (+7.81%)	$391,380 (+9.79%) Land $46,390 Building $344,990
2024	$6,394.00 (+6.99%)
2023	$5,976.00 (+1.2%) Additional exemption filed	$261,100 (+3%)	$356,490 (+6.72%) Land $30,930 Building $325,560
2022	$5,905.00 Homeowner's exemption	$253,500	$334,040 Land $30,930 Building $303,110

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 224 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	224 in force
Nearby Flood Claims	4 (2004–2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20