1846 N Gibson Pt, Hernando, FL 34442 Property Records

Citrus County property record for 1846 N Gibson Pt, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,065 sqft · built 2001
Lot Size	0.173 acres (7,533 sqft)
Owner	2 Individual Names on File
Last Sale	$49,500 (Sep 2005)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2518S18E00900430`

Property Details

APN / Parcel Number

Primary APN	`2518S18E00900430`
Alternative APNs	`18E-18S-25-0090-00000-0430` `18E-18S-25-0090-043.0` `2938498`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,065 sqft Living Area
Gross Area	2,793 sqft
1st Floor Area	2,065 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Concrete
Lot Area	7,533 sqft (0.173 acres)
Lot Dimensions	130 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	7 Parking Spaces
Pool Area	112 sqft
Porch	Finished/Screened Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2938498
Street Address	1846 N GIBSON PT
City	HERNANDO
State	FL
Zip	34442-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	HILLSIDE VILLAS THIRD ADDN PB 16 PG 115 LOT 43
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	HILLSIDE VILLAS THIRD ADDITION
Legal Lot Number	43
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1002
Census Tract	450703

Owner

1846 N Gibson Pt is owned and occupied by two individuals who bought it in September 2005.

Source: Citrus County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114
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
Dec 2, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jul 12, 2017	Deed of Trust, Mortgage · VA Mortgage SOUTHPOINT FINANCIAL SERVICES INC
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2005 · Amount on File
Deed Sale	Sep 8, 2005 · Amount on File
Prior Sale	Aug 1, 2005 · Amount on File
Deed Document Number	200580756
Deed Book / Page	1900 / 275
Prior Transfer Date	Jul 15, 2003
Prior Transfer Doc	0000043670
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114

Mortgage

Document Number	0036232325
Date	Dec 2, 2025
Book Page	3623/2325
Instrument	2025072438

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114

Mortgage

Document Number	0036140121
Date	Oct 24, 2025
Book Page	3614/121
Instrument	2025064956

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028400769
Date	Jul 12, 2017
Book Page	2840/0769
Instrument	2017032204

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender
Address	ALPHARETTA, GA 30005

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1846 N GIBSON PT, HERNANDO, FL 34442-6114

Mortgage

Document Number	0031081858
Date	Nov 16, 2020
Book Page	3108/1858
Instrument	2020062137

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1846 N Gibson Pt was $2,689 with exemptions applied, up 5% 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	$2,689.00 (+5.04%) Homeowner's exemption Veteran's exemption	$215,563 (-37.39%)	$329,460 (-4.31%) Land $34,000 Building $295,460
2024	$2,560.00 (+2.69%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$344,302 (+7.02%) Land $34,000 Building $310,302	$344,302 (+7.02%) Land $34,000 Building $310,302
2023	$2,493.00 (+7.09%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$321,719 (+14.41%) Land $34,000 Building $287,719	$321,719 (+14.41%) Land $34,000 Building $287,719
2022	$2,328.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$281,208 Land $34,000 Building $247,208	$281,208 Land $34,000 Building $247,208

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

Flood

FEMA maps place 1846 N Gibson Pt 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
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	22 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 1846 N Gibson Pt is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 185 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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