1855 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 1855 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,613 sqft · built 1987
Lot Size	1.02 acres (44,701 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Oct 2023)
Tax Bill	$3,007 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00360-019.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00360-019.0`
Alternative APNs	`1818S19E0110003600190` `2297972`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,613 sqft Living Area
1st Floor Area	1,613 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	44,701 sqft (1.02 acres)
Lot Dimensions	241 ft deep x 185 ft wide
Garage Area	550 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Deck Area	96 sqft
Patio Area	296 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2297972
Old Parcel Number	1818S19E0110003600190
Street Address	1855 N ANNAPOLIS AVE
City	HERNANDO
State	FL
Zip	34442-3317
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 LOT 19 BLK 36
Legal Range	19E
Legal Township	18S
Legal Section	30
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	36
Legal Lot Number	19
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2007
Census Tract	450705

Owner

1855 N Annapolis Ave is owned and occupied by an individual who bought it in October 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1855 N ANNAPOLIS AVE, HERNANDO, FL 34442-3317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Warranty Deed, Transfer · VA Mortgage EXCEL MORTGAGE NETWORK INC
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Dec 21, 2021 · Amount on File
Deed Document Number	2023059007
Deed Book / Page	3416 / 1910
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 10, 2023
Property Address	1855 N ANNAPOLIS AVE, HERNANDO, FL 34442-3317
Document Number	0034161910
Book / Page	3416 / 1910
Map Reference	MB 9 PG 73-83
Instrument Date	Oct 5, 2023
Instrument	2023059007
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1855 N ANNAPOLIS AVE, HERNANDO, FL 34442-3317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	855 N ANNAPOLIS AVENUE, HERNANDO, FL 34442

Mortgage

Document Number	0034161912
Date	Oct 10, 2023
Instrument	3416/1912

Lender

Name	EXCEL MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 21, 2021
Property Address	1855 N ANNAPOLIS AVE, HERNANDO, FL 34442-3317
Document Number	0032370439
Book / Page	3237 / 439
Map Reference	MB 9 PG 73-83
Instrument Date	Dec 8, 2021
Instrument	2021087763
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1855 N ANNAPOLIS AVE, 1855, HERNANDO, FL 34442-3317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 N ANNAPOLIS AVE, HERNANDO, FL 34442-3317

Mortgage

Document Number	0003237441
Date	Dec 21, 2021
Instrument	3237/441

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1855 N Annapolis Ave was $3,007 with exemptions applied, down 0.7% 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	$3,007.00 (-0.73%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$235,057 (-1.72%) Land $31,000 Building $204,057	$235,057 (-1.72%) Land $31,000 Building $204,057
2024	$3,029.00 (+24.55%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$239,170 (+6.76%) Land $29,500 Building $209,670	$239,170 (+6.76%) Land $29,500 Building $209,670
2023	$2,432.00 (+6.9%) Homeowner's exemption Additional exemption filed	$224,016 (+19.96%) Land $25,500 Building $198,516	$224,016 (+19.96%) Land $25,500 Building $198,516
2022	$2,275.00 Homeowner's exemption Additional exemption filed	$186,741 Land $17,250 Building $169,491	$186,741 Land $17,250 Building $169,491

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

Flood

FEMA maps place 1855 N Annapolis Ave 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	4 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 1855 N Annapolis Ave is moderate, ranking above 42% of the US, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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