1605 E Saint Charles Pl, Inverness, FL 34453 Property Records

Citrus County property record for 1605 E Saint Charles Pl, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,288 sqft · built 1994
Lot Size	0.502 acres (21,877 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Nov 2024)
Tax Bill	$4,131 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-33-0020-00070-002.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-33-0020-00070-002.0`
Alternative APNs	`3318S19E0020000700020` `2535024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,288 sqft Living Area
1st Floor Area	2,290 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	21,877 sqft (0.502 acres)
Garage Area	529 sqft
Parking Spaces	7 Parking Spaces
Pool Area	264 sqft
Porch	Open Porch
Porch Area	469 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2535024
Old Parcel Number	3318S19E0020000700020
Street Address	1605 E SAINT CHARLES PL
City	INVERNESS
State	FL
Zip	34453-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	CAMBRIDGE GREENS OF CITRUS HILLS PB 13 PG 119 LOT 2 BLK 7
Legal Range	19E
Legal Township	18S
Legal Section	33
Legal Subdivision	CAMBRIDGE GREENS OF CITRUS HIL
Legal Block	7
Legal Lot Number	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3016
Census Tract	450705

Owner

1605 E Saint Charles Pl is owned and occupied by an individual who bought it in November 2024.

Source: Citrus County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 18, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 20, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 24, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2024 · Amount on File
Deed Sale	Nov 14, 2024 · Amount on File
Prior Sale	Dec 20, 2021
Deed Document Number	2024067677
Deed Book / Page	3517 / 608
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634

Mortgage

Document Number	0030832150
Date	Aug 18, 2020
Book Page	3083/2150
Instrument	2020043029

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Dec 20, 2021
Property Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634
Document Number	0032362322
Book / Page	3236 / 2322
Map Reference	MB 13 PG 119-124
Instrument Date	Dec 16, 2021
Instrument	2021087570
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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
Relationship	Joint Tenants with Right of Survivorship
Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 24, 2019
Property Address	1605 E SAINT CHARLES PL, INVERNESS, FL 34453-3634
Document Number	0030060948
Book / Page	003006 / 000948
Instrument Date	Sep 13, 2019
Instrument	49982
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	COMPASS LAND AND TITLE, COMPASS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1605 E SAINT CHARLES PL INVERNESS FL 344533634, INVERNESS, FL 34453-3634

Mortgage

Document Number	30060949
Date	Sep 24, 2019
Book Page	003006/000949
Instrument	49983

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1605 E Saint Charles Pl was $4,131 with an additional exemption, up 15,2% 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	$4,131.00 (+15,2%) Additional exemption filed	$303,056 (-13.16%) Land $19,500 Building $283,556	$303,056 (-13.16%) Land $19,500 Building $283,556
2024	$27.00 Homeowner's exemption Additional exemption filed	$348,980 (+0.14%) Land $18,200 Building $330,780	$348,980 (+0.14%) Land $18,200 Building $330,780
2023	$27.00 (-78.74%) Homeowner's exemption Additional exemption filed	$348,503 (+18.67%) Land $17,200 Building $331,303	$348,503 (+18.67%) Land $17,200 Building $331,303
2022	$127.00 Homeowner's exemption Additional exemption filed	$293,682 Land $13,950 Building $279,732	$293,682 Land $13,950 Building $279,732

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

Flood

FEMA maps place 1605 E Saint Charles Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1605 E Saint Charles Pl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 146 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

Cell Coverage

5G and 4G LTE (outdoors only)

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