1823 W Union St, Hernando, FL 34442 Property Records

Citrus County property record for 1823 W Union St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,752 sqft · built 1986
Lot Size	1 acres (43,702 sqft)
Owner	2 Individual Names on File
Last Sale	$117,900 (Jun 2016)
Tax Bill	$2,869 (2025)
Deeds & Mortgages	Dec 2025 Transfer Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00690-0240`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00690-0240`
Alternative APNs	`1818S19E0110006900240` `2307897`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,752 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	1,752 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	43,702 sqft (1 acres)
Lot Dimensions	291 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	334 sqft
Porch	Finished/Screened Porch
Porch Area	304 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2307897
Street Address	1823 W UNION ST
City	HERNANDO
State	FL
Zip	34442-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 24 BLK 69
Legal Range	18E
Legal Township	18S
Legal Section	35
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	69
Legal Lot Number	24
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1025
Census Tract	450704

Owner

1823 W Union St is owned and occupied by two individuals who acquired it in December 2025.

Source: Citrus County records, as of January 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1823 W UNION ST, HERNANDO, FL 34442-3271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Dec 22, 2025	Intrafamily Transfer, Transfer
Aug 29, 2017	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2016 · Amount on File
Deed Sale	Jun 3, 2016 · Amount on File
Prior Sale	Nov 30, 2015
Deed Document Number	201625560
Deed Book / Page	2762 / 287
Last Transfer Date	Dec 10, 2025
Transfer Doc	0036290586
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Dec 22, 2025
Property Address	1823 W UNION ST, HERNANDO, FL 34442-3271
Document Number	0036290586
Book / Page	3629 / 586
Map Reference	MB 9 PG 73-83
Instrument Date	Dec 10, 2025
Instrument	2025076445
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1823 W UNION ST, HERNANDO, FL 34442-3271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1823 W UNION ST, HERNANDO, FL 34442-3271

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1823 W UNION ST, HERNANDO, FL 34442-3271
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028491627
Date	Aug 29, 2017
Book Page	2849/1627
Instrument	2017040133

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1823 W UNION ST, HERNANDO, FL 34442-3271
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030531395
Date	Apr 14, 2020
Book Page	3053/1395
Instrument	2020019707

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1823 W Union St was $2,869 with exemptions applied, up 2.7% from the year before.

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	$2,869.00 (+2.72%) Homeowner's exemption Widower's exemption	$112,708 (-56.81%)	$254,872 (-2.34%) Land $31,000 Building $223,872
2024	$2,793.00 (+1.34%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$260,970 (+6.63%) Land $29,500 Building $231,470	$260,970 (+6.63%) Land $29,500 Building $231,470
2023	$2,756.00 (+159.27%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$244,738 (+21.25%) Land $25,500 Building $219,238	$244,738 (+21.25%) Land $25,500 Building $219,238
2022	$1,063.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$201,845 Land $17,250 Building $184,595	$201,845 Land $17,250 Building $184,595

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

Flood

FEMA maps place 1823 W Union St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1823 W Union St is moderate, ranking above 55% of the US, with a 0.1% annual chance of 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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