1549 E Cleveland St, Hernando, FL 34442 Property Records

Citrus County property record for 1549 E Cleveland St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 2003
Lot Size	0.961 acres (41,875 sqft)
Owner	2 Owner Names on Record
Last Sale	$120,800 (Nov 2003)
Tax Bill	$1,126 (2025)
Deeds & Mortgages	Jun 2021 Reverse Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0100-00090-032.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0100-00090-032.0`
Alternative APNs	`1818S19E0100000900320` `2159901`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	41,875 sqft (0.961 acres)
Garage Area	460 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	260 sqft
Fence	Fence
Utility Building	49 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2159901
Old Parcel Number	1818S19E0100000900320
Street Address	1549 E CLEVELAND ST
City	HERNANDO
State	FL
Zip	34442-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	CITRUS HILLS PB 8 PG 5 LOT 32 BLK 9
Legal Range	19E
Legal Township	18S
Legal Section	21
Legal Subdivision	CITRUS HILLS (PB-8 PG-5)
Legal Block	9
Legal Lot Number	32
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2015
Census Tract	450104

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	2 Owner Names on Record
Mailing Address	1549 E CLEVELAND ST, HERNANDO, FL 34442-4515
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 20, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Aug 20, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2003 · Amount on Record
Deed Sale	Nov 5, 2003 · Amount on Record
Prior Sale	Mar 17, 2003 · Amount on Record
Deed Document Number	2003068437
Deed Book / Page	1659 / 1784
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1549 E CLEVELAND ST, HERNANDO, FL 34442-4515
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 E CLEVELAND ST, HERNANDO, FL 34442-4515

Mortgage

Document Number	0031731666
Date	Jun 10, 2021
Book Page	3173/1666
Instrument	2021039539

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	893 Months
Due	Nov 5, 2095

Interest

Rate Type	Adjustable Rate
Rate	1.99%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Index	1-Year CMT

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1549 E CLEVELAND ST, HERNANDO, FL 34442-4515
Document Number	0029222183
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 E CLEVELAND ST HERNANDO FL 344424515, HERNANDO, FL 34442-4515

Mortgage

Document Number	0029222183
Date	Aug 27, 2018
Book Page	002922/002183
Instrument	43430

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Aug 26, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.52%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1549 E CLEVELAND ST, HERNANDO, FL 34442-4515
Document Number	0029222167
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Sep 17, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 E CLEVELAND ST HERNANDO FL 344424515, HERNANDO, FL 34442-4515

Mortgage

Document Number	0029222167
Date	Aug 27, 2018
Book Page	002922/002167
Instrument	43429

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Aug 26, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.52%

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	$1,126.00 (+8.06%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$229,613 (-3.82%) Land $27,500 Building $202,113	$229,613 (-3.82%) Land $27,500 Building $202,113
2024	$1,042.00 (+3.58%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$238,731 (+1.45%) Land $26,500 Building $212,231	$238,731 (+1.45%) Land $26,500 Building $212,231
2023	$1,006.00 (+0.2%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$235,324 (+20.82%) Land $24,000 Building $211,324	$235,324 (+20.82%) Land $24,000 Building $211,324
2022	$1,004.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$194,770 Land $18,000 Building $176,770	$194,770 Land $18,000 Building $176,770

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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