1404 N Ridge Meadow Path, Hernando, FL 34442 Property Records

Citrus County property record for 1404 N Ridge Meadow Path, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,231 sqft · built 2007
Lot Size	0.284 acres (12,400 sqft)
Owner	Trust Name on File
Last Sale	$1,135,000 (Jan 2026)
Tax Bill	$12,093 (2025)
Deeds & Mortgages	Oct 2023 Reverse Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2518S18E02601220`

Property Details

APN / Parcel Number

Primary APN	`2518S18E02601220`
Alternative APNs	`18E-18S-25-0260-122.0` `3329617`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,231 sqft Living Area
1st Floor Area	4,231 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Tile
Lot Area	12,400 sqft (0.284 acres)
Lot Dimensions	155 ft deep x 80 ft wide
Garage Area	462 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	500 sqft
Porch	Open Porch
Porch Area	996 sqft
Patio Area	252 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3329617
Old Parcel Number	2518S18E02601220
Street Address	1404 N RIDGE MEADOW PATH
City	HERNANDO
State	FL
Zip	34442-6323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	BELLAMY RIDGE PB 18 PGS 2-5 LOT 122
Legal Range	18E
Legal Township	18S
Legal Section	26
Legal Subdivision	BELLAMY RIDGE
Legal Lot Number	122
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1004
Census Tract	450703

Owner

1404 N Ridge Meadow Path is owner-occupied and held in a trust since January 2026.

Source: Citrus County records, as of February 6, 2026

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	1416 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Date	Document
Oct 9, 2023	Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC
Jan 22, 2026	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Mar 4, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2026 · Amount on File
Deed Sale	Jan 22, 2026 · Amount on File
Prior Sale	Mar 4, 2025
Deed Document Number	2026003932
Deed Book / Page	3636 / 2196
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

Mortgage

Document Number	0034160545
Date	Oct 9, 2023
Book Page	3416/545
Instrument	2023058577

Lender

Name	ENNKAR INC
Type	Mortgage Company
Address	ORANGE, CA 92865

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	985 Months
Due	Nov 12, 2105

Interest

Rate Type	Fixed Rate
Rate	7.41%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 22, 2026
Property Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323
Document Number	0036362196
Book / Page	3636 / 2196
Map Reference	MB 18 PG 2-5
Instrument Date	Jan 15, 2026
Instrument	2026003932
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	UNKNOWN, CLEVER TITLE FLORIDA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	890 BARTH RD, MOLINO, FL 32577-9215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

Mortgage

Document Number	0036362200
Date	Jan 22, 2026
Instrument	3636/2200

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2041

March 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Mar 4, 2025
Property Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323
Document Number	0035450894
Book / Page	3545 / 894
Map Reference	MB 18 PG 2
Instrument Date	Jan 21, 2025
Instrument	2025013065
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 27, 2022
Property Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323
Document Number	0032780400
Book / Page	3278 / 400
Map Reference	MB 18 PG 2-5
Instrument Date	Apr 27, 2022
Instrument	2022030201
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CITRUS TITLE CO LLC, CITRUS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14008 CAMERYN ELISE DR, CORNELIUS, NC 28031-0439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 N RIDGE MEADOW PATH, HERNANDO, FL 34442-6323

Mortgage

Document Number	0003278402
Date	Apr 27, 2022
Instrument	3278/402

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1404 N Ridge Meadow Path was $12,093 with exemptions applied, up 3.4% 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	$12,093.00 (+3.35%) Homeowner's exemption Additional exemption filed	$886,282 (+8.15%) Land $57,370 Building $828,912	$886,282 (+8.15%) Land $57,370 Building $828,912
2024	$11,701.00 (+1.2%) Homeowner's exemption Additional exemption filed	$819,507 (+2.1%) Land $57,370 Building $762,137	$819,507 (+2.1%) Land $57,370 Building $762,137
2023	$11,562.00 (+54.84%) Homeowner's exemption Additional exemption filed	$802,656 (+20.2%) Land $57,370 Building $745,286	$802,656 (+20.2%) Land $57,370 Building $745,286
2022	$7,467.00 Homeowner's exemption Additional exemption filed	$667,753 Land $57,370 Building $610,383	$667,753 Land $57,370 Building $610,383

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

Flood

FEMA maps place 1404 N Ridge Meadow Path in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 1404 N Ridge Meadow Path is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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