11151 W Gem St, Crystal River, FL 34428 Property Records

Citrus County property record for 11151 W Gem St, Crystal River, FL 34428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1978
Lot Size	0.506 acres (22,052 sqft)
Owner	Individual Name on File
Last Sale	$6,500 (Nov 2004)
Tax Bill	$620 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`17E-17S-31-0010-000A0-012.5`

Property Details

APN / Parcel Number

Primary APN	`17E-17S-31-0010-000A0-012.5`
Alternative APNs	`3117S17E0010000A00125` `2948141`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,761 sqft Living Area
1st Floor Area	1,761 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	22,052 sqft (0.506 acres)
Lot Dimensions	210 ft deep x 105 ft wide
Garage Area	465 sqft
Parking Spaces	7 Parking Spaces
Porch	Enclosed Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2948141
Old Parcel Number	3117S17E0010000A00125
Street Address	11151 W GEM ST
City	CRYSTAL RIVER
State	FL
Zip	34428-6685
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR RURAL RESIDENTIAL
Legal Description	CRYSTAL RIVER MANOR PB 7 PG 29 W1/2 OF LOT 12 BLK A TITLE IN OR BK 483 PGS 371 & 372 & OR BK 726 PG 1879
Legal Range	17E
Legal Township	17S
Legal Section	31
Legal Subdivision	CRYSTAL RIVER MANOR
Legal Block	A
Legal Lot Number	12
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	2
Census Block	2007
Census Tract	450305

Owner

11151 W Gem St is owned and occupied by an individual who bought it in November 2004.

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

Owner of Record	Individual Name on File
Mailing Address	11151 W GEM ST, CRYSTAL RIVER, FL 34428-6685
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2004 · Amount on File
Deed Sale	Nov 19, 2004 · Amount on File
Deed Document Number	2004083580
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	11151 W GEM ST, CRYSTAL RIVER, FL 34428-6685
Document Number	0029650742
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11151 W GEM ST CRYSTAL RIVER FL 344286685, CRYSTAL RIVER, FL 34428-6685

Mortgage

Document Number	0029650742
Date	Mar 27, 2019
Book Page	002965/000742
Instrument	15451

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11151 W Gem St was $620 with exemptions applied, up 9.9% from the year before.

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	$620.00 (+9.93%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$190,611 (-3.88%) Land $5,250 Building $185,361	$190,611 (-3.88%) Land $5,250 Building $185,361
2024	$564.00 (+1.26%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$198,301 (+14.59%) Land $4,550 Building $193,751	$198,301 (+14.59%) Land $4,550 Building $193,751
2023	$557.00 (-7.48%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$173,060 (+6.53%) Land $4,460 Building $168,600	$173,060 (+6.53%) Land $4,460 Building $168,600
2022	$602.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$162,452 Land $5,540 Building $156,912	$162,452 Land $5,540 Building $156,912

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

Flood

FEMA maps place 11151 W Gem St 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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	35 (2016–2024)
Claims Outside the SFHA	1 of 35
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 23 claims Hurricane Idalia, Aug 2023 · 4 claims Hurricane Hermine, Sep 2016 · 3 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 11151 W Gem St is high, ranking above 74% 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	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 32 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