1576 E Cleveland St, Hernando, FL 34442 Property Records

Citrus County property record for 1576 E Cleveland St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,348 sqft · built 2018
Lot Size	0.961 acres (41,845 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Apr 2026)
Tax Bill	$4,162 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0100-00080-0140`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0100-00080-0140`
Alternative APNs	`1818S19E0100000800140` `2377178`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,348 sqft Living Area
Gross Area	2,747 sqft
1st Floor Area	2,348 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	41,845 sqft (0.961 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	170 sqft
Patio Area	140 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2377178
Street Address	1576 E CLEVELAND ST
City	HERNANDO
State	FL
Zip	34442-6508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	CITRUS HILLS PB 8 PG 5 LOT 14 BLK 8
Legal Range	19E
Legal Township	18S
Legal Section	21
Legal Subdivision	CITRUS HILLS (PB-8 PG-5)
Legal Block	8
Legal Lot Number	14
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2018
Census Tract	450104

Owner

Source: Citrus County records, as of May 14, 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	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2019	Warranty Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC
Jun 12, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	202625035
Deed Book / Page	3665 / 328
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 30, 2026
Property Address	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508
Document Number	0036650328
Book / Page	3665 / 328
Instrument Date	Apr 29, 2026
Instrument	2026.25035
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508

Mortgage

Document Number	0000025036,
Date	Apr 30, 2026
Instrument	2026..25036

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 13, 2019
Property Address	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508
Document Number	0030040813
Book / Page	3004 / 0813
Map Reference	MB 8 PG 5&6
Instrument Date	Sep 3, 2019
Instrument	2019048183
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1576 E CLEVELAND ST, 1576, HERNANDO, FL 34442-6508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508

Mortgage

Document Number	0003004815
Date	Sep 13, 2019
Instrument	3004/815

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 12, 2018
Property Address	1576 E CLEVELAND ST, HERNANDO, FL 34442-6508
Document Number	0029062166
Book / Page	002906 / 002166
Instrument Date	Jun 11, 2018
Instrument	29806
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2018
Title Company	ALL PERFORMANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1576 E CLEVELAND ST HERNANDO FL 34442, HERNANDO, FL 34442

Mortgage

Document Number	29062167
Date	Jun 12, 2018
Book Page	002906/002167
Instrument	29807

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

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	$4,162.00 (-4.8%) Homeowner's exemption	$307,938 (-26.88%)	$377,193 (-10.44%) Land $27,500 Building $349,693
2024	$4,372.00 (+2.34%) Homeowner's exemption Additional exemption filed	$421,146 (+0.4%) Land $26,500 Building $394,646	$421,146 (+0.4%) Land $26,500 Building $394,646
2023	$4,272.00 (+6.91%) Homeowner's exemption Additional exemption filed	$419,464 (+18.15%) Land $24,000 Building $395,464	$419,464 (+18.15%) Land $24,000 Building $395,464
2022	$3,996.00 Homeowner's exemption Additional exemption filed	$355,031 Land $18,000 Building $337,031	$355,031 Land $18,000 Building $337,031

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 57% of the US · lower than 69% 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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