1287 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 1287 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,591 sqft · built 1992
Lot Size	1.01 acres (44,069 sqft)
Owner	Company Name on Record
Last Sale	$272,500 (Jun 2018)
Tax Bill	$3,720 (2025)
Deeds & Mortgages	Feb 2023 Transfer Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00370-0160`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00370-0160`
Alternative APNs	`1818S19E0110003700160` `2298219`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,591 sqft Living Area
Gross Area	3,143 sqft
1st Floor Area	2,591 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	44,069 sqft (1.01 acres)
Lot Dimensions	258 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	7 Parking Spaces
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	449 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2298219
Street Address	1287 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 PB 9 PG 73 LOT 16 BLK 37 DESC IN OR BK 897 PG 1834
Legal Range	19E
Legal Township	18S
Legal Section	30
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	37
Legal Lot Number	16
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	Company Name on Record
Mailing Address	387 POSEY FARM RD, RAEFORD, NC 28376-5517
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Jun 7, 2018	Warranty Deed, Transfer · ARM AMERISAVE MORTGAGE CORP
Jan 25, 2017	Warranty Deed, Transfer · VA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2018 · Amount on Record
Deed Sale	Jun 7, 2018 · Amount on Record
Prior Sale	Jan 25, 2017 · Amount on Record
Deed Document Number	201829080
Deed Book / Page	2906 / 131
Last Transfer Date	Feb 3, 2025
Transfer Doc	0035431514
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Feb 17, 2023
Property Address	1287 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0033560294
Book / Page	3356 / 294
Map Reference	MB 9 PG 73-83
Instrument Date	Feb 9, 2023
Instrument	2023009242
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1278 N ANNAPOLIS AVE, CITRUS HILLS, FL 34442-3319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1278 N ANNAPOLIS AVE, CITRUS HILLS, FL 34442-3319

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 7, 2018
Property Address	1287 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0029060131
Book / Page	2906 / 0131
Map Reference	MB9 PG73-83
Instrument Date	Jun 7, 2018
Instrument	2018029080
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1287 N ANNAPOLIS AVE, 1287, HERNANDO, FL 34442-3318

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	52 WHITBECK RD, NEW HARTFORD, CT 06057-3230

Mortgage

Document Number	2018029081
Date	Jun 7, 2018
Instrument	2018029081

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.9%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 25, 2017
Property Address	1287 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0028070297
Book / Page	2807 / 0297
Map Reference	MB9 PG73-83
Instrument Date	Jan 23, 2017
Instrument	2017003706
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 CHAPEL AVE, 140, EAST PATCHOGUE, NY 11772-5794

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20407 WHITE OAK DR, STERLING, VA 20165-2545

Mortgage

Document Number	0028070299
Date	Jan 25, 2017
Book Page	2807/0299
Instrument	2017003707

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$3,720.00 (+4.32%)	$275,326 (-29.21%)	$374,295 (-3.77%) Land $31,000 Building $343,295
2024	$3,566.00 (+2.38%) Homeowner's exemption Additional exemption filed	$388,946 (+1.8%) Land $29,500 Building $359,446	$388,946 (+1.8%) Land $29,500 Building $359,446
2023	$3,483.00 (+6.81%) Homeowner's exemption Additional exemption filed	$382,067 (+20.46%) Land $25,500 Building $356,567	$382,067 (+20.46%) Land $25,500 Building $356,567
2022	$3,261.00 Homeowner's exemption Additional exemption filed	$317,186 Land $17,250 Building $299,936	$317,186 Land $17,250 Building $299,936

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	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

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