1724 W Union St, Hernando, FL 34442 Property Records

Citrus County property record for 1724 W Union St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,959 sqft · built 1991
Lot Size	1.02 acres (44,613 sqft)
Owner	2 Owner Names on Record
Last Sale	$160,000 (Jul 2012)
Tax Bill	$2,555 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Apr 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00730-018.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00730-018.0`
Alternative APNs	`1818S19E0110007300180` `2292512`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,959 sqft Living Area
1st Floor Area	2,959 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	44,613 sqft (1.02 acres)
Lot Dimensions	218 ft deep x 202 ft wide
Garage Area	672 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	394 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2292512
Old Parcel Number	1818S19E0110007300180
Street Address	1724 W UNION ST
City	HERNANDO
State	FL
Zip	34442-3266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR CENTRAL RIDGE RESIDEN
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 18 BLK 73
Legal Range	18E
Legal Township	18S
Legal Section	35
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	73
Legal Lot Number	18
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1026
Census Tract	450704

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	1724 W UNION ST, HERNANDO, FL 34442-3266
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 16, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 16, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 24, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2012 · Amount on Record
Deed Sale	Jul 9, 2012 · Amount on Record
Deed Document Number	2012030141
Deed Book / Page	2490 / 2154
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1724 W UNION ST, HERNANDO, FL 34442-3266
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028592222
Date	Oct 24, 2017
Book Page	2859/2222
Instrument	2017048782

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1724 W UNION ST, HERNANDO, FL 34442-3266
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	COMPASS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1724 W UNION ST, HERNANDO, FL 34442-3266

Mortgage

Document Number	0031550720
Date	Apr 16, 2021
Book Page	3155/720
Instrument	2021025120

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	901 Months
Due	May 22, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.78%
Type Change Date	May 1, 2021
Change Frequency	Annually
Index	1-Year CMT
Max Rate	7.78%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1724 W UNION ST, HERNANDO, FL 34442-3266
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1724 W UNION ST, HERNANDO, FL 34442-3266

Mortgage

Document Number	0031550704
Date	Apr 16, 2021
Book Page	3155/704
Instrument	2021025119

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	901 Months
Due	May 22, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.78%
Type Change Date	May 1, 2021
Max Rate	7.78%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1724 W UNION ST, HERNANDO, FL 34442-3266
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1724 W UNION ST, HERNANDO, FL 34442-3266

Mortgage

Document Number	0032862478
Date	May 24, 2022
Book Page	3286/2478
Instrument	2022037430

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	888 Months
Due	May 22, 2096

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.15%

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	$2,555.00 (+5.19%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$380,219 (-3.04%) Land $31,000 Building $349,219	$380,219 (-3.04%) Land $31,000 Building $349,219
2024	$2,429.00 (-0.41%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$392,134 (+2.18%) Land $29,500 Building $362,634	$392,134 (+2.18%) Land $29,500 Building $362,634
2023	$2,439.00 (+3.61%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$383,759 (+18.98%) Land $25,500 Building $358,259	$383,759 (+18.98%) Land $25,500 Building $358,259
2022	$2,354.00 Homeowner's exemption Additional exemption filed	$322,546 Land $17,250 Building $305,296	$322,546 Land $17,250 Building $305,296

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
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 55% of the US · lower than 73% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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