1109 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 1109 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,542 sqft · built 2020
Lot Size	1.01 acres (44,212 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (Mar 2021)
Tax Bill	$1,969 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00370-0210`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00370-0210`
Alternative APNs	`1818S19E0110003700210` `2298278`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	2,211 sqft
1st Floor Area	1,542 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	44,212 sqft (1.01 acres)
Lot Dimensions	260 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Screened Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2298278
Street Address	1109 N ANNAPOLIS AVE
City	HERNANDO
State	FL
Zip	34442-3318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	CITRUS HILLS 1ST ADD LT 21 BLK 37 DESC IN OR BK 668 PG 66 & OR BK 671 PG 1740
Legal Range	19E
Legal Township	18S
Legal Section	30
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	37
Legal Lot Number	21
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3022
Census Tract	450705

Owner

Source: Citrus County records, as of March 17, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage BRANNEN BANK
Feb 23, 2018	Warranty Deed, Transfer MANATEE TITLE COMPANY INC
Feb 23, 2018	Quit Claim Deed, Transfer MANATEE TITLE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Prior Sale	Feb 23, 2018 · Amount on Record
Deed Document Number	202112664
Deed Book / Page	3139 / 560
Prior Transfer Date	Feb 14, 2018
Prior Transfer Doc	0028821256
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Transaction Type	Mortgage
Record Updated	Mar 6, 2023
Title Company	NOT AVAILABLE, MANATEE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

Mortgage

Document Number	0031721906
Date	Jun 8, 2021
Book Page	3172/1906
Instrument	2021038789

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 1, 2021
Property Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0031390560
Book / Page	3139 / 560
Map Reference	MB 9 PG 73
Instrument Date	Feb 18, 2021
Instrument	2021012664
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	NOT AVAILABLE, MANATEE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2468 N ESSEX AVE, HERNANDO, FL 34442-5321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 SW SHADY LAKE TER, PALM CITY, FL 34990-2787

Mortgage

Document Number	0003139561
Date	Mar 1, 2021
Instrument	3139/561

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 23, 2018
Property Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0028821259
Book / Page	002882 / 001259
Instrument Date	Feb 14, 2018
Instrument	8940
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	MANATEE TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$87.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2476 N ESSEX AVE HERNANDO FL 344425321, HERNANDO, FL 34442-5321

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 23, 2018
Property Address	1109 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0028821256
Book / Page	002882 / 001256
Instrument Date	Feb 14, 2018
Instrument	8939
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	MANATEE TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 OCEAN VIEW ST WELLS ME 040903945, WELLS, ME 04090-3945

Tax Assessment & Valuation

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	$1,969.00 (+5.69%) Homeowner's exemption	$160,007 (-39.32%)	$253,806 (-3.75%) Land $31,000 Building $222,806
2024	$1,863.00 (+2.81%) Homeowner's exemption Additional exemption filed	$263,702 (+1.07%) Land $29,500 Building $234,202	$263,702 (+1.07%) Land $29,500 Building $234,202
2023	$1,812.00 (+6.84%) Homeowner's exemption Additional exemption filed	$260,922 (+22.76%) Land $25,500 Building $235,422	$260,922 (+22.76%) Land $25,500 Building $235,422
2022	$1,696.00 Homeowner's exemption Additional exemption filed	$212,544 Land $17,250 Building $195,294	$212,544 Land $17,250 Building $195,294

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	GREENBRIAR I private · serves 300 people · EPA ID FL6094871
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Annapolis Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures