10850 E Cod Dr, Floral City, FL 34436 Property Records

Citrus County property record for 10850 E Cod Dr, Floral City, FL 34436

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,106 sqft · built 1997
Lot Size	1.3 acres (56,882 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2025)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`21E-20S-06-0070-000B0-0270`

Property Details

APN / Parcel Number

Primary APN	`21E-20S-06-0070-000B0-0270`
Alternative APNs	`0620S21E0070000B00270` `2032529`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,106 sqft Living Area
Gross Area	2,426 sqft
1st Floor Area	2,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	56,882 sqft (1.3 acres)
Lot Dimensions	244 ft deep x 241 ft wide
View / Lot	Lake Front
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	320 sqft
Deck Area	672 sqft
Patio Area	672 sqft
Utility Building	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2032529
Street Address	10850 E COD DR
City	FLORAL CITY
State	FL
Zip	34436-5404
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	CLRMH
Legal Description	WITHLAPOPKA ISLANDS UNIT 7 PB 11 PG 49 LOT 27 BLK B
Legal Range	20E
Legal Township	20S
Legal Section	01
Legal Subdivision	WITH-LA-POPKA ISLAND UNIT 7
Legal Block	B
Legal Lot Number	27
Legal Unit	7
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1027
Census Tract	451200

Owner

10850 E Cod Dr, a mobile home, is owned and occupied by an individual who bought it in March 2025.

Source: Citrus County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10850 E COD DR, FLORAL CITY, FL 34436-5404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING
Mar 7, 2025	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2025 · Amount on File
Deed Sale	Mar 7, 2025 · Amount on File
Prior Sale	Nov 1, 1993 · Amount on File
Deed Document Number	202513927
Deed Book / Page	3546 / 1121
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	Jul 20, 2026
Property Address	10850 E COD DR, FLORAL CITY, FL 34436-5404
Document Number	0000042828
Book / Page	3690 / 28
Instrument Date	Feb 23, 2026
Instrument	202642828
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10850 E COD DR, FLORAL CITY, FL 34436-5404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000042828,
Date	Jul 20, 2026
Book Page	3690/28
Instrument	202642828

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.09%
Max Rate	-1%

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 7, 2025
Property Address	10850 E COD DR, FLORAL CITY, FL 34436-5404
Document Number	0035461121
Book / Page	3546 / 1121
Map Reference	MB 11 PG 49
Instrument Date	Mar 6, 2025
Instrument	2025013927
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	FIRST INTL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 OAK BREEZE DR, VALPARAISO, IN 46383-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10850 E COD DR, FLORAL CITY, FL 34436-5404

Mortgage

Document Number	0035461123
Date	Mar 7, 2025
Instrument	3546/1123

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 10850 E Cod Dr was $1,052, up 8.2% from the year before.

Source: Citrus County assessment roll, as of December 3, 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	$1,052.00 (+8.23%)	$98,197 (-41.53%)	$172,516 (+2.72%) Land $17,960 Building $154,556
2024	$972.00 (+3.51%) Homeowner's exemption Additional exemption filed	$167,951 (-3.78%) Land $17,960 Building $149,991	$167,951 (-3.78%) Land $17,960 Building $149,991
2023	$939.00 (+6.83%) Homeowner's exemption Additional exemption filed	$174,556 (+15.6%) Land $17,960 Building $156,596	$174,556 (+15.6%) Land $17,960 Building $156,596
2022	$879.00 Homeowner's exemption Additional exemption filed	$151,003 Land $16,840 Building $134,163	$151,003 Land $16,840 Building $134,163

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10850 E Cod Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	44.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	6 (1996–2024)
Claims Outside the SFHA	1 of 6
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

Wildfire risk around 10850 E Cod Dr is high, ranking above 83% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.5% 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	FLORAL CITY WATER ASSN serves 5,917 people · EPA ID FL6090588
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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