1097 E Ray St, Hernando, FL 34442 Property Records

Citrus County property record for 1097 E Ray St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 2021
Lot Size	3.6 acres (157,252 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,290 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2718S19E00200700`

Property Details

APN / Parcel Number

Primary APN	`2718S19E00200700`
Alternative APNs	`19E-18S-27-0020-070.0` `1622409`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Living Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	157,252 sqft (3.6 acres)
Lot Dimensions	635 ft deep x 164 ft wide
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1622409
Old Parcel Number	2718S19E00200700
Street Address	1097 E RAY ST
City	HERNANDO
State	FL
Zip	34442-4932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDRMH MED DENSITY RESIDEN
Legal Description	TR 70 LESS THE S 100 FT OF THE W 100 FT HERCALA ACRES UNIT 2 ACC TO THE PLAT THEREOF AS REC IN PLAT BK 8 PG 16 OF THE PRCCF
Legal Range	19E
Legal Township	18S
Legal Section	28
Legal Subdivision	HERCALA ACRES UNIT 2
Legal Tract	70
Legal Lot Number	70
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2008
Census Tract	450705

Owner

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

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	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1097 E RAY ST, HERNANDO, FL 34442-4932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage METROPLEX MORTGAGE SERVICES INC
Oct 13, 2020	Correction Deed GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC
Apr 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020
Deed Sale	Aug 24, 2020
Prior Sale	May 24, 2012
Deed Document Number	0030991369
Prior Transfer Date	Apr 25, 2019
Prior Transfer Doc	2019020879
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1097 E RAY ST, HERNANDO, FL 34442-4932
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 E RAY ST B, B, HERNANDO, FL 34442-4932

Mortgage

Document Number	0032832195
Date	May 13, 2022
Book Page	3283/2195
Instrument	2022034891

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company
Address	TAMPA, FL 33614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

October 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 13, 2020
Property Address	1097 E RAY ST, HERNANDO, FL 34442-4932
Document Number	0030991369
Book / Page	003099 / 001369
Instrument Date	Aug 24, 2020
Instrument	55064
Record Updated	Nov 3, 2020
Title Company	GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$207.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1853 N TRUCKS AVE HERNANDO FL 34442, HERNANDO, FL 34442

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 25, 2019
Property Address	1097 E RAY ST, HERNANDO, FL 34442-4932
Document Number	0029711394
Book / Page	002971 / 001394
Instrument Date	Apr 3, 2019
Instrument	20879
Transaction Type	Transfer
Record Updated	May 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3077 W JEFFERSON ST #106 JOLIET IL 604355263, 106, JOLIET, IL 60435-5263

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	$3,290.00 (+4.54%) Homeowner's exemption Additional exemption filed	$291,073 (+9.98%) Land $90,200 Building $200,873	$291,073 (+9.98%) Land $90,200 Building $200,873
2024	$3,147.00 (+2.47%) Homeowner's exemption Additional exemption filed	$264,667 (-3.7%) Land $54,120 Building $210,547	$264,667 (-3.7%) Land $54,120 Building $210,547
2023	$3,071.00 (+6.89%) Homeowner's exemption Additional exemption filed	$274,832 (+20.43%) Land $50,510 Building $224,322	$274,832 (+20.43%) Land $50,510 Building $224,322
2022	$2,873.00 Homeowner's exemption Additional exemption filed	$228,200 Land $44,380 Building $183,820	$228,200 Land $44,380 Building $183,820

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 98 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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