1281 W Diamond Shore Loop, Hernando, FL 34442 Property Records

Citrus County property record for 1281 W Diamond Shore Loop, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,686 sqft · built 2006
Lot Size	0.167 acres (7,280 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Dec 2020)
Tax Bill	$4,525 (2025)
Deeds & Mortgages	May 2019 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18E-18S-25-0240-000D0-0230`

Property Details

APN / Parcel Number

Primary APN	`18E-18S-25-0240-000D0-0230`
Alternative APNs	`2518S18E0240000D00230` `3295674`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,686 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,686 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Concrete
Lot Area	7,280 sqft (0.167 acres)
Lot Dimensions	140 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	7 Parking Spaces
Pool Area	312 sqft
Porch	Finished/Screened Porch
Porch Area	219 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3295674
Street Address	1281 W DIAMOND SHORE LOOP
City	HERNANDO
State	FL
Zip	34442-6286
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	LAKEVIEW VILLAS PB 17 PG 107 LOT 23 BLK D
Legal Range	18E
Legal Township	18S
Legal Section	23
Legal Subdivision	LAKEVIEW VILLAS (PB-17 PG-107-
Legal Block	D
Legal Lot Number	23
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1009
Census Tract	450703

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1227 W BEAGLE RUN LOOP, HERNANDO, FL 34442-6253
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 8, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Mar 10, 2015 · Amount on Record
Deed Document Number	202067920
Deed Book / Page	3116 / 881
Prior Transfer Date	Feb 24, 2011
Prior Transfer Doc	0000011824
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1281 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6286
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029730516
Date	May 2, 2019
Book Page	2973/0516
Instrument	2019022304

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 11, 2020
Property Address	1281 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6286
Document Number	0031160881
Book / Page	3116 / 881
Map Reference	MB 17 PG 107-112
Instrument Date	Dec 9, 2020
Instrument	2020067920
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1691 N SHADOWVIEW PATH, 1691, HERNANDO, FL 34442-6184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1227 W BEAGLE RUN LOOP, HERNANDO, FL 34442-6253

Mortgage

Document Number	0003116883
Date	Dec 11, 2020
Instrument	3116/883

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Nov 8, 2017
Property Address	1281 W DIAMOND SHORE LOOP, HERNANDO, FL 34442-6286
Document Number	0028630088
Book / Page	002863 / 000088
Instrument Date	Oct 17, 2017
Instrument	51358
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1025 N 13TH ST SEBRING OH 446721551, SEBRING, OH 44672-1551

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	$4,525.00 (+4.6%)	$292,941 (-3.94%) Land $30,000 Building $262,941	$292,941 (-3.94%) Land $30,000 Building $262,941
2024	$4,326.00 (+0.25%)	$304,960 (-9.82%) Land $30,000 Building $274,960	$304,960 (-9.82%) Land $30,000 Building $274,960
2023	$4,315.00 (+21.62%)	$338,157 (+30.87%) Land $30,000 Building $308,157	$338,157 (+30.87%) Land $30,000 Building $308,157
2022	$3,548.00	$258,384 Land $30,000 Building $228,384	$258,384 Land $30,000 Building $228,384

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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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