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1040 Clover Ter, Inverness, FL 34452 Property Records

Citrus County property record for 1040 Clover Ter, Inverness, FL 34452

Property Summary

Property TypeResidential Vacant Land
Lot Size0.22 acres (9,602 sqft)
Owner2 Individual Names on Record
Last Sale$100 (May 1997)
Tax Bill$118 (2025)
Deeds & MortgagesJun 2026 Mortgage
Sep 2018 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN20E-19S-21-0020-02570-0100

Property Details

APN / Parcel Number

Primary APN20E-19S-21-0020-02570-0100
Alternative APNs
  • 2119S20E0020025700100
  • 1779197

Exterior

Lot Area9,602 sqft (0.22 acres)
Lot Dimensions120 ft deep x 80 ft wide

Location & Zoning

Account Number1779197
Street Address1040 CLOVER TER
CityINVERNESS
StateFL
Zip34452-6665
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeMDR
Legal DescriptionINVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 10 & 11 BLK 257
Legal Range20E
Legal Township19S
Legal Section20
Legal SubdivisionINVERNESS HIGHLANDS SOUTH
Legal Block257
Legal Lot Number10,11
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1038
Census Tract451103

Owner

Source: Citrus County records, as of June 18, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1124 CLOVER TER, INVERNESS, FL 34452-6665
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 4, 2026Deed of Trust, Mortgage · Conventional Mortgage
NEST HOME LENDING LLC
Sep 13, 2018Warranty Deed, Transfer · FHA Mortgage
UNITED FIDELITY FNDG
Apr 12, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Apr 12, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 1, 1997 · Amount on Record
Deed SaleMay 1, 1997 · Amount on Record
Prior SaleDec 1, 1994 · Amount on Record
Deed Book / Page1184 / 228
Last Transfer DateApr 10, 2018
Transfer Doc0028930317
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Recording DateJun 4, 2026
Property Address1040 CLOVER TER, INVERNESS, FL 34452-6665
Document Number0000032893
Book / Page3676 / 1295
Instrument DateMay 29, 2026
Instrument202632893
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1124 CLOVER TER, INVERNESS, FL 34452-6665

Mortgage

Document Number0000032893,
DateJun 4, 2026
Book Page3676/1295
Instrument202632893
Lender
NameNEST HOME LENDING LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 1, 2041
Interest
Rate TypeFixed Rate
Rate5.64%
Initial TypeFixed Rate
Max Rate-1%

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateSep 13, 2018
Property Address1040 CLOVER TER, INVERNESS, FL 34452-6665
Document Number0029261760
Book / Page002926 / 001760
Instrument DateSep 13, 2018
Instrument46582
Transaction TypeTransfer
Record UpdatedOct 1, 2018
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$700.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1124 CLOVER TER INVERNESS FL 344526665, INVERNESS, FL 34452-6665

Mortgage

Document Number29261762
DateSep 13, 2018
Book Page002926/001762
Instrument46583
Lender
NameUNITED FIDELITY FNDG
TypeFunding / Finance Company
AddressKANSAS CITY, MO 64150
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 12, 2048

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCITRUS FL
Recording DateApr 12, 2018
Property Address1040 CLOVER TER, INVERNESS, FL 34452-6665
Document Number0028930317
Book / Page002893 / 000317
Instrument DateApr 10, 2018
Instrument18013
Transaction TypeTransfer
Record UpdatedApr 26, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address215 S HIGH ST DELAND FL 327205211, DELAND, FL 32720-5211

April 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCITRUS FL
Recording DateApr 12, 2018
Property Address1040 CLOVER TER, INVERNESS, FL 34452-6665
Document Number0028930319
Book / Page002893 / 000319
Instrument DateApr 10, 2018
Instrument18014
Transaction TypeTransfer
Record UpdatedApr 26, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1125 CLOVER TER INVERNESS FL 34452, INVERNESS, FL 34452

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$118.00 (+34.09%)$7,760 (+8.99%) Land $7,760$7,760 (+8.99%) Land $7,760
2024$88.00 (+8.64%)$7,120 (+11.25%) Land $7,120$7,120 (+11.25%) Land $7,120
2023$81.00 (+15.71%)$6,400 (+15.94%) Land $6,400$6,400 (+15.94%) Land $6,400
2022$70.00$5,520 Land $5,520$5,520 Land $5,520

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies9 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
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 SystemINVERNESS WATER DEPT
serves 7,194 people · EPA ID FL6090861
Water SourceGroundwater
Last State InspectionDec 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting15
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 226 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Spectrum
Cable		1,000 / 35

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