1323 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 1323 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,711 sqft · built 1996
Lot Size	1.01 acres (44,040 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Mar 2026)
Tax Bill	$3,809 (2025)
Deeds & Mortgages	Mar 2026 Sale Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00370-0150`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00370-0150`
Alternative APNs	`1818S19E0110003700150` `2298197`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,711 sqft Living Area
Gross Area	3,362 sqft
1st Floor Area	2,711 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	44,040 sqft (1.01 acres)
Lot Dimensions	258 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	400 sqft
Porch	Finished/Open Porch
Porch Area	412 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2298197
Street Address	1323 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 15 BLK 37
Legal Range	19E
Legal Township	18S
Legal Section	30
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	37
Legal Lot Number	15
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3022
Census Tract	450705

Owner

Source: Citrus County records, as of April 1, 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	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Warranty Deed, Transfer FIRST NATIONS TITLE, FIRST NATIONAL T&E
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Aug 3, 2021	Intrafamily Transfer, Transfer
Apr 6, 2017	Warranty Deed, Transfer BRANNEN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2026 · Amount on Record
Deed Sale	Mar 11, 2026 · Amount on Record
Prior Sale	Apr 6, 2017 · Amount on Record
Deed Document Number	202614162
Deed Book / Page	3650 / 737
Prior Transfer Date	Jul 29, 2021
Prior Transfer Doc	0031912028
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 11, 2026
Property Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0036500737
Book / Page	3650 / 737
Map Reference	MB 9 PG 73-83
Instrument Date	Feb 24, 2026
Instrument	2026014162
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	FIRST NATIONS TITLE, FIRST NATIONAL T&E

Transaction

Amount	Amount Recorded
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

Mortgage

Document Number	0032260566
Date	Nov 17, 2021
Book Page	3226/566
Instrument	2021079442

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

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

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Aug 3, 2021
Property Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0031912028
Book / Page	3191 / 2028
Map Reference	MB 9 PG 73
Instrument Date	Jul 29, 2021
Instrument	2021053186
Transaction Type	Transfer
Record Updated	Aug 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 6, 2017
Property Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318
Document Number	0028210624
Book / Page	2821 / 0624
Map Reference	MB9 PG73-83
Instrument Date	Mar 28, 2017
Instrument	2017015985
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	WOLLINKA WIKLE TITLE INS AGE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 N ANNAPOLIS AVE, HERNANDO, FL 34442-3318

Mortgage

Document Number	28210626
Date	Apr 6, 2017
Instrument	2821/0626

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Mar 29, 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	$3,809.00 (+4.3%) Homeowner's exemption	$281,299 (-28.01%)	$374,852 (-4.07%) Land $31,000 Building $343,852
2024	$3,652.00 (+2.38%) Homeowner's exemption Additional exemption filed	$390,736 (+2.28%) Land $29,500 Building $361,236	$390,736 (+2.28%) Land $29,500 Building $361,236
2023	$3,567.00 (+6.83%) Homeowner's exemption Additional exemption filed	$382,029 (+21.02%) Land $25,500 Building $356,529	$382,029 (+21.02%) Land $25,500 Building $356,529
2022	$3,339.00 Homeowner's exemption Additional exemption filed	$315,685 Land $17,250 Building $298,435	$315,685 Land $17,250 Building $298,435

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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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