1322 W Redding St, Hernando, FL 34442 Property Records

Citrus County property record for 1322 W Redding St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,968 sqft · built 2007
Lot Size	1 acres (43,758 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Jan 2024)
Tax Bill	$4,244 (2025)
Deeds & Mortgages	Jan 2024 Sale Apr 2023 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00640-011.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00640-011.0`
Alternative APNs	`1818S19E0110006400110` `2307218`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,968 sqft Living Area
1st Floor Area	1,968 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2007
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	43,758 sqft (1 acres)
Lot Dimensions	291 ft deep x 150 ft wide
Garage Area	528 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	332 sqft
Patio Area	90 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2307218
Old Parcel Number	1818S19E0110006400110
Street Address	1322 W REDDING ST
City	HERNANDO
State	FL
Zip	34442-3287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR CENTRAL RIDGE RESIDEN
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 11 BLK 64
Legal Range	18E
Legal Township	18S
Legal Section	35
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	64
Legal Lot Number	11
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1020
Census Tract	450704

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	1322 W REDDING ST, HERNANDO, FL 34442-3287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Apr 5, 2023	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
May 5, 2021	Deed of Trust, Mortgage · Line of Credit GTE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Jun 22, 2015
Deed Document Number	2024004847
Deed Book / Page	3440 / 2025
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 29, 2024
Property Address	1322 W REDDING ST, HERNANDO, FL 34442-3287
Document Number	0034402025
Book / Page	3440 / 2025
Map Reference	MB 9 PG 73-83
Instrument Date	Jan 29, 2024
Instrument	2024004847
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34015 AZALEA DR N, PINELLAS PARK, FL 33781-2600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 W REDDING ST, HERNANDO, FL 34442-3287

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1322 W REDDING ST, HERNANDO, FL 34442-3287
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 W REDDING ST, HERNANDO, FL 34442-3287

Mortgage

Document Number	0033680436
Date	Apr 5, 2023
Book Page	3368/436
Instrument	2023019492

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.96%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	10.9%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1322 W REDDING ST, HERNANDO, FL 34442-3287
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 W REDDING ST, HERNANDO, FL 34442-3287

Mortgage

Document Number	0031611785
Date	May 5, 2021
Book Page	3161/1785
Instrument	2021029966

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 4, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,244.00 (-16.13%) Additional exemption filed	$313,463 (-5.04%) Land $31,000 Building $282,463	$313,463 (-5.04%) Land $31,000 Building $282,463
2024	$5,060.00 (+161.36%)	$330,088 (+2.03%) Land $29,500 Building $300,588	$330,088 (+2.03%) Land $29,500 Building $300,588
2023	$1,936.00 (+6.9%) Homeowner's exemption Additional exemption filed	$323,522 (+20.73%) Land $25,500 Building $298,022	$323,522 (+20.73%) Land $25,500 Building $298,022
2022	$1,811.00 Homeowner's exemption Additional exemption filed	$267,968 Land $17,250 Building $250,718	$267,968 Land $17,250 Building $250,718

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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