1481 N Bowman Ter, Hernando, FL 34442 Property Records

Citrus County property record for 1481 N Bowman Ter, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,676 sqft · built 2007
Lot Size	0.999 acres (43,535 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Jul 2015)
Tax Bill	$13,235 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2518S18E00100870`

Property Details

APN / Parcel Number

Primary APN	`2518S18E00100870`
Alternative APNs	`18E-18S-25-0010-087.0` `2284561`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,676 sqft Living Area
1st Floor Area	4,676 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2007
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Tile
Lot Area	43,535 sqft (0.999 acres)
Lot Dimensions	291 ft deep x 150 ft wide
Garage Area	1,222 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Area	650 sqft
Porch	Open Porch
Porch Area	1,293 sqft
Patio Area	896 sqft
Fence	Fence
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2284561
Old Parcel Number	2518S18E00100870
Street Address	1481 N BOWMAN TER
City	HERNANDO
State	FL
Zip	34442-3324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR MED DENSITY RESIDENT
Legal Description	HAMPTON HILLS PB 12 PG 20-23 LOT 87.
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	HAMPTON HILLS
Legal Lot Number	87
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2002
Census Tract	450703

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	1481 N BOWMAN TER, HERNANDO, FL 34442-3324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on Record
Deed Sale	Jul 2, 2015 · Amount on Record
Prior Sale	Jul 8, 2002 · Amount on Record
Deed Document Number	2015031533
Deed Book / Page	2699 / 0928
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1481 N BOWMAN TER, HERNANDO, FL 34442-3324
Document Number	0030922187
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 22, 2020
Title Company	BROKER'S SETTLEMENT SERVICES, BROKER'S SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1481 N BOWMAN TER HERNANDO FL 344423324, HERNANDO, FL 34442-3324

Mortgage

Document Number	0030922187
Date	Sep 21, 2020
Book Page	003092/002187
Instrument	49967

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 20, 2035

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	$13,235.00 (+3.26%) Homeowner's exemption Additional exemption filed	$1,243,110 (-4.18%) Land $64,000 Building $1,179,110	$1,243,110 (-4.18%) Land $64,000 Building $1,179,110
2024	$12,817.00 (+2.09%) Homeowner's exemption Additional exemption filed	$1,297,306 (+5.22%) Land $64,000 Building $1,233,306	$1,297,306 (+5.22%) Land $64,000 Building $1,233,306
2023	$12,555.00 (+6.89%) Homeowner's exemption Additional exemption filed	$1,232,898 (+12.9%) Land $57,000 Building $1,175,898	$1,232,898 (+12.9%) Land $57,000 Building $1,175,898
2022	$11,746.00 Homeowner's exemption Additional exemption filed	$1,092,055 Land $57,000 Building $1,035,055	$1,092,055 Land $57,000 Building $1,035,055

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 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 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	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 134 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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