9809 Pepper Tree Trl, Wildwood, FL 34785 Property Records

Sumter County property record for 9809 Pepper Tree Trl, Wildwood, FL 34785

Property Summary

Property Type	Single Family Home
Details	2,322 sqft · built 2017
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$394,999 (Jan 2022)
Tax Bill	$3,840 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D30BC032`

Property Details

APN / Parcel Number

Primary APN	`D30BC032`
Alternative APN	`1029999`

Interior

Building Area	2,322 sqft Heated Area

Exterior

Year Built	Built 2017
Architectural Style	Conventional
Construction Type	Concrete
Lot Area	11,326 sqft
Garage Area	359 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	266 sqft

Location & Zoning

Account Number	1029999
Street Address	9809 PEPPER TREE TRL
City	WILDWOOD
State	FL
Zip	34785-7663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 BLK C PEPPER TREE VILLAGE PB 16 PGS 1-1B
Legal Range	23E
Legal Township	18S
Legal Section	30
Legal Subdivision	PEPPER TREE VILLAGE
Legal Block	C
Legal Lot Number	32
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	1
Census Block	1043
Census Tract	910100

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 5, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 7, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage SECURITY NAT'L MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	Apr 7, 2017 · Amount on Record
Deed Document Number	202260001696
Deed Book / Page	4179 / 731
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Jan 11, 2022
Property Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Document Number	0041790731
Book / Page	4179 / 731
Map Reference	MB 16 PG 1-1B
Instrument Date	Dec 3, 2021
Instrument	202260001696
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	INTEGRITY TITLE AND GUARANTY, INTEGRITY TTL & GUARANTY AGC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	192 OAK SIDE CT, 192, RICHMOND HILL, GA 31324-5356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663

Mortgage

Document Number	0004179733
Date	Jan 11, 2022
Instrument	4179/733

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037270057
Date	Mar 23, 2020
Book Page	3727/57
Instrument	202060012507

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033410351
Date	Dec 5, 2017
Book Page	3341/0351
Instrument	201760039584

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	May 1, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038930363
Date	Jan 5, 2021
Book Page	3893/363
Instrument	202160000215

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 7, 2017
Property Address	9809 PEPPER TREE TRL, WILDWOOD, FL 34785-7663
Document Number	0032390470
Book / Page	003239 / 000470
Instrument Date	Mar 29, 2017
Instrument	60011559
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 8, 2017
Title Company	HOMETOWN TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,730.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9809 PEPPER TREE TRL WILDWOOD FL 347857663, WILDWOOD, FL 34785-7663

Mortgage

Document Number	32390472
Date	Apr 7, 2017
Book Page	003239/000472
Instrument	60011560

Lender

Name	SECURITY NAT'L MTG
Type	Mortgage Company
Address	MURRAY, UT 84123

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 6, 2047

Tax Assessment & Valuation

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

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		$312,210 (+5.98%)	$333,640 (-6.09%) Land $36,000 Building $297,640
2024	$3,840.00 (+10.34%)
2023	$3,480.00 (+2.32%) Additional exemption filed	$294,590 (+3%)	$355,280 (+24.22%) Land $36,000 Building $319,280
2022	$3,401.00 Homeowner's exemption	$286,010 Land $36,000 Building $250,010	$286,010 Land $36,000 Building $250,010

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.2% 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	WILDWOOD, CITY OF (7 WPS) serves 25,941 people · EPA ID FL6600331
Water Source	Groundwater
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

9809 Pepper Tree Trl, Wildwood, FL 34785 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Grant Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pepper Tree Trl

Nearby Streets

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