1848 W Sundown Ln, Hernando, FL 34442 Property Records

Citrus County property record for 1848 W Sundown Ln, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,893 sqft · built 2020
Lot Size	0.16 acres (6,989 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Apr 2024)
Tax Bill	$5,629 (2025)
Deeds & Mortgages	Apr 2024 Sale Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18E-18S-25-0330-000B0-052.0`

Property Details

APN / Parcel Number

Primary APN	`18E-18S-25-0330-000B0-052.0`
Alternative APN	`3514388`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,893 sqft Living Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Tile
Lot Area	6,989 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3514388
Street Address	1848 W SUNDOWN LN
City	HERNANDO
State	FL
Zip	34442-6387
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	WESTFORD VILLAS II PB19 PGS74-75 LOT 52 BLK B
Legal Range	18E
Legal Township	18S
Legal Section	26
Legal Subdivision	WESTFORD VILLAS II
Legal Block	B
Legal Lot Number	52
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1004
Census Tract	450703

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Warranty Deed, Transfer EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I
Feb 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIR WAY LENDING LLC
Jun 26, 2020	Loan Modification, Mortgage DRUMMOND CMNTY BK
May 31, 2019	Warranty Deed, Construction Loan · Construction Mortgage DRUMMOND COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2024 · Amount on Record
Deed Sale	Apr 24, 2024 · Amount on Record
Prior Sale	Feb 28, 2023 · Amount on Record
Deed Document Number	2024023884
Deed Book / Page	3462 / 1584
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 24, 2024
Property Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387
Document Number	0034621584
Book / Page	3462 / 1584
Map Reference	MB 19 PG 74
Instrument Date	Apr 12, 2024
Instrument	2024023884
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount Recorded
Tax	$3,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10344 FISHERVILLE RD, ELBERFELD, IN 47613-9373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 28, 2023
Property Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387
Document Number	0033581762
Book / Page	3358 / 1762
Map Reference	MB 19 PG 74&75
Instrument Date	Feb 16, 2023
Instrument	2023011556
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	NOT AVAILABLE, MANATEE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1313 TALL MAPLE LOOP, OVIEDO, FL 32765-7358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387

Mortgage

Document Number	0033581763
Date	Feb 28, 2023
Instrument	3358/1763

Lender

Name	FAIR WAY LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387
Document Number	0030711539
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1313 TALL MAPLE LOOP OVIEDO FL 327657358, OVIEDO, FL 32765-7358

Mortgage

Document Number	0030711539
Date	Jun 30, 2020
Book Page	003071/001539
Instrument	33597

Lender

Name	DRUMMOND CMNTY BK
Type	Bank
Address	CHIEFLAND, FL 32626

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

May 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 31, 2019
Property Address	1848 W SUNDOWN LN, HERNANDO, FL 34442-6387
Document Number	0029800264
Book / Page	2980 / 0264
Map Reference	MB 19 PG 74&75
Instrument Date	May 15, 2019
Instrument	2019028033
Transaction Type	Construction Loan
Record Updated	Jul 28, 2022
Title Company	MANATEE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2476 N ESSEX AVE, 2476, HERNANDO, FL 34442-5321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 TALL MAPLE LOOP, OVIEDO, FL 32765-7358

Mortgage

Document Number	0029800265
Date	May 31, 2019
Instrument	2980-0265

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	10.5%

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	$5,629.00 (-2.38%) Additional exemption filed	$408,832 (-3.96%) Land $53,770 Building $355,062	$408,832 (-3.96%) Land $53,770 Building $355,062
2024	$5,766.00 (-1.7%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$425,693 (+9.94%) Land $53,770 Building $371,923	$425,693 (+9.94%) Land $53,770 Building $371,923
2023	$5,866.00 (+12.31%)	$387,215 (+6.33%) Land $53,770 Building $333,445	$387,215 (+6.33%) Land $53,770 Building $333,445
2022	$5,223.00	$364,165 Land $53,770 Building $310,395	$364,165 Land $53,770 Building $310,395

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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	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 254 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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