1012 W White Oak Pl, Hernando, FL 34442 Property Records

Citrus County property record for 1012 W White Oak Pl, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,279 sqft · built 2004
Lot Size	0.305 acres (13,308 sqft)
Owner	2 Owner Names on Record
Last Sale	$267,800 (Dec 2004)
Tax Bill	$3,574 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2518S18E01300530`

Property Details

APN / Parcel Number

Primary APN	`2518S18E01300530`
Alternative APNs	`18E-18S-25-0130-053.0` `3260091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,279 sqft Living Area
1st Floor Area	2,279 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Tile
Lot Area	13,308 sqft (0.305 acres)
Lot Dimensions	157 ft deep x 88 ft wide
Garage Area	484 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	397 sqft
Patio Area	538 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3260091
Old Parcel Number	2518S18E01300530
Street Address	1012 W WHITE OAK PL
City	HERNANDO
State	FL
Zip	34442-6173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	WOODSIDE UNIT 1 PB 17 PG 13 LOT 53
Legal Range	18E
Legal Township	18S
Legal Section	26
Legal Subdivision	WOODSIDE UNIT 1
Legal Lot Number	53
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1003
Census Tract	450703

Owner

Source: Citrus County records, as of December 10, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	1012 W WHITE OAK PL, HERNANDO, FL 34442-6173
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2004 · Amount on Record
Deed Sale	Dec 13, 2004 · Amount on Record
Deed Document Number	2004089889
Deed Book / Page	1794 / 1801
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1012 W WHITE OAK PL, HERNANDO, FL 34442-6173
Document Number	0028551993
Book / Page	002855 / 001993
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 16, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1012 W WHITE OAK PL HERNANDO FL 344426173, HERNANDO, FL 34442-6173

Mortgage

Document Number	0028551993
Date	Oct 3, 2017
Book Page	002855/001993
Instrument	45244

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 2, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,574.00 (+8.27%) Homeowner's exemption Additional exemption filed	$428,224 (-2.44%) Land $59,400 Building $368,824	$428,224 (-2.44%) Land $59,400 Building $368,824
2024	$3,301.00 (+2.45%) Homeowner's exemption Additional exemption filed	$438,946 (+7.16%) Land $59,400 Building $379,546	$438,946 (+7.16%) Land $59,400 Building $379,546
2023	$3,222.00 (+6.9%) Homeowner's exemption Additional exemption filed	$409,614 (+14.14%) Land $59,400 Building $350,214	$409,614 (+14.14%) Land $59,400 Building $350,214
2022	$3,014.00 Homeowner's exemption Additional exemption filed	$358,855 Land $59,400 Building $299,455	$358,855 Land $59,400 Building $299,455

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 January 14, 2021 · 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 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 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	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	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people · EPA ID FL6094948
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	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	14 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20