10889 W Kerry Ln, Crystal River, FL 34428 Property Records

Citrus County property record for 10889 W Kerry Ln, Crystal River, FL 34428

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.13 acres (49,500 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Apr 2025)
Tax Bill	$379 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`17E-17S-20-0210-00040-0210`

Property Details

APN / Parcel Number

Primary APN	`17E-17S-20-0210-00040-0210`
Alternative APNs	`2017S17E0210000400210` `1977541`

Exterior

Lot Area	49,500 sqft (1.13 acres)
Lot Dimensions	330 ft deep x 150 ft wide

Location & Zoning

Account Number	1977541
Street Address	10889 W KERRY LN
City	CRYSTAL RIVER
State	FL
Zip	34428-5502
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	CLR
Legal Description	CRYSTAL MANOR UNIT 1 PB 8 PG 82 LOT 21 BLK 4
Legal Range	17E
Legal Township	17S
Legal Section	20
Legal Subdivision	CRYSTAL MANOR UNIT 1
Legal Block	4
Legal Lot Number	21
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	1
Census Block	1053
Census Tract	450402

Owner

10889 W Kerry Ln, residential vacant land, is owned by two individuals who bought it in April 2025.

Source: Citrus County records, as of April 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1840 NW 19TH ST, CRYSTAL RIVER, FL 34428-9000
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Construction Mortgage SEACOAST NATIONAL BANK
Feb 9, 2021	Warranty Deed, Transfer INCOMPASS TITLE LLC, COMPASS TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Feb 9, 2021 · Amount on File
Deed Document Number	202525464
Deed Book / Page	3561 / 742
Prior Transfer Date	Aug 12, 2008
Prior Transfer Doc	0000039708
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	Apr 9, 2026
Property Address	10889 W KERRY LN, CRYSTAL RIVER, FL 34428-5502
Document Number	0000000006
Book / Page	3658 / 1521
Instrument Date	Mar 27, 2026
Instrument	20266
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAND CASTLE TITLE, LANDCASTLE TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 NW 19TH ST, CRYSTAL RIVER, FL 34428-9000

Mortgage

Document Number	0000000006,
Date	Apr 9, 2026
Book Page	3658/1521
Instrument	20266

Lender

Name	SEACOAST NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 9, 2021
Property Address	10889 W KERRY LN, CRYSTAL RIVER, FL 34428-5502
Document Number	0031330549
Book / Page	3133 / 549
Map Reference	MB 8 PG 82
Instrument Date	Jan 21, 2021
Instrument	2021007962
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	INCOMPASS TITLE LLC, COMPASS TITLE LLC

Transaction

Amount	Amount on Record
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29309 SHEFFIELD RD, 29309, HOCKLEY, TX 77447-6281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70910 SOUTHEAST 180TH HST, INGLIS, FL 34449

Tax Assessment & Valuation

The 2025 property tax bill for 10889 W Kerry Ln was $379, up 20.3% 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	$379.00 (+20.32%)	$25,000 (+19.05%) Land $25,000	$25,000 (+19.05%) Land $25,000
2024	$315.00 (+4.65%)	$21,000 (+5%) Land $21,000	$21,000 (+5%) Land $21,000
2023	$301.00 (+14.45%)	$20,000 (+11.11%) Land $20,000	$20,000 (+11.11%) Land $20,000
2022	$263.00 Additional exemption filed	$18,000 Land $18,000	$18,000 Land $18,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10889 W Kerry Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2019.

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 File median of 55 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	6 (2019–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 5 claims

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 10889 W Kerry Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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