1096 W Diamond Shore Loop, #43, Hernando, FL 34442 Property Records

Citrus County property record for 1096 W Diamond Shore Loop, #43, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 2005
Lot Size	0.163 acres (7,079 sqft)
Owner	2 Individual Names on File
Last Sale	$438,500 (Feb 2025)
Tax Bill	$4,433 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Mar 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18E-18S-25-0210-000B0-0430`

Property Details

APN / Parcel Number

Primary APN	`18E-18S-25-0210-000B0-0430`
Alternative APNs	`2518S18E0210000B00430` `3261068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,724 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,724 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Concrete
Lot Area	7,079 sqft (0.163 acres)
Lot Dimensions	130 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	7 Parking Spaces
Pool Area	435 sqft
Porch	Finished/Screened Porch
Porch Area	219 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3261068
Street Address	1096 W DIAMOND SHORE LOOP, 43
City	HERNANDO
State	FL
Zip	34442-6237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	WOODVIEW VILLAS III PG 17 PG 70 LOT 43 BLK B
Legal Range	18E
Legal Township	18S
Legal Section	23
Legal Subdivision	WOODVIEW VILLAS III
Legal Block	B
Legal Lot Number	43
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1003
Census Tract	450703

Owner

1096 W Diamond Shore Loop, #43 is owned by two individuals who bought it in February 2025.

Source: Citrus County records, as of June 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 21, 2025	Warranty Deed, Transfer · Conventional Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB
Mar 14, 2024	Warranty Deed, Transfer NOT AVAILABLE, MANATEE TITLE LLC
Nov 18, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2025 · Amount on File
Deed Sale	Feb 21, 2025 · Amount on File
Prior Sale	Mar 14, 2024 · Amount on File
Deed Document Number	202510343
Deed Book / Page	3541 / 1828
Prior Transfer Date	Oct 20, 2022
Prior Transfer Doc	0033352155
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 21, 2025
Property Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237
Document Number	0035411828
Book / Page	3541 / 1828
Map Reference	MB 17 PG 70&71
Instrument Date	Feb 18, 2025
Instrument	2025010343
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	FIRST NATIONAL TITLE & ESCRO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,069.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1192 W BEAGLE RUN LOOP, HERNANDO, FL 34442-6250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237

Mortgage

Document Number	0035411830
Date	Feb 21, 2025
Instrument	3541/1830

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 14, 2024
Property Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237
Document Number	0034520287
Book / Page	3452 / 287
Map Reference	MB 17 PG 70&71
Instrument Date	Mar 12, 2024
Instrument	2024014565
Transaction Type	Transfer
Record Updated	Apr 8, 2024
Title Company	NOT AVAILABLE, MANATEE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 LENOX RD # RD2G, RD2G, ROCKVILLE CENTRE, NY 11570-5262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6627 FALLEN WOOD LN, RHINELANDER, WI 54501-8191

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Nov 18, 2022
Property Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237
Document Number	0033352155
Book / Page	3335 / 2155
Map Reference	MB 17 PG 70&71
Instrument Date	Oct 20, 2022
Instrument	2022077463
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 LENOX RD, 10, ROCKVILLE CENTRE, NY 11570-5262

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LENOX RD, ROCKVILLE CENTRE, NY 11570-5262

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1096 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6237
Document Number	0028710987
Book / Page	002871 / 000987
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 LENOX RD #2G ROCKVILLE CENTRE NY 115705270, 2G, ROCKVILLE CENTRE, NY 11570-5270

Mortgage

Document Number	0028710987
Date	Dec 27, 2017
Book Page	002871/000987
Instrument	58326

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1096 W Diamond Shore Loop, #43 was $4,433, up 3.8% 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	$4,433.00 (+3.77%)	$286,737 (-10.31%) Land $18,980 Building $267,757	$286,737 (-10.31%) Land $18,980 Building $267,757
2024	$4,272.00 (+8.95%)	$319,690 (+10.94%) Land $18,980 Building $300,710	$319,690 (+10.94%) Land $18,980 Building $300,710
2023	$3,921.00 (+17.75%)	$288,161 (+21.36%) Land $18,980 Building $269,181	$288,161 (+21.36%) Land $18,980 Building $269,181
2022	$3,330.00	$237,446 Land $18,980 Building $218,466	$237,446 Land $18,980 Building $218,466

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1096 W Diamond Shore Loop, #43 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1096 W Diamond Shore Loop, #43 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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