Citrus County property record for 1862 E Ray St, Hernando, FL 34442 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 2,072 sqft Living Area |
| Lot Size | 106,144 sqft (2.43 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $329,700 (2018) |
| Tax Bill | $27.00 (2024) |
Source: Citrus County records · APN 2718S19E00201190
Assessment roll updated December 3, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| May 07, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED SECURITY FINANCIAL CORP |
| Sep 01, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED SECURITY FINANCIAL CORP |
| Aug 08, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Jul 05, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BRANNEN BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 08, 2018 · Amount on Record |
| Deed Sale | Aug 08, 2018 · Amount on Record |
| Prior Sale | Mar 05, 2013 · Amount on Record |
| Deed Doc Number | 201840169 |
| Deed Book / Page | 2919 / 160 |
| Prior Transfer Date | Aug 17, 2015 |
| Prior Transfer Doc | 0027092025 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0036051728 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 3605/1728 |
| Instrument | 2025058765 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0029740849 |
|---|---|
| Date | May 07, 2019 |
| Book Page | 2974/0849 |
| Instrument | 2019023224 |
| Name | UNITED SECURITY FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030872051 |
|---|---|
| Date | Sep 01, 2020 |
| Book Page | 3087/2051 |
| Instrument | 2020045949 |
| Name | UNITED SECURITY FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Aug 08, 2018 |
| Property Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0029190160 |
| Book / Page | 2919 / 0160 |
| Map Reference | MB8 PG16-18 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 2018040169 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | NORTH CENTRLA FLORIDA TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 2018040170 |
|---|---|
| Date | Aug 08, 2018 |
| Instrument | 2018040170 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 1862 E RAY ST, HERNANDO, FL 34442-4931 |
| Document Number | 0028410795 |
| Book / Page | 002841 / 000795 |
| Instrument Date | Jul 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1862 E RAY ST HERNANDO FL 344424931, HERNANDO, FL 34442-4931 |
| Document Number | 0028410795 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 002841/000795 |
| Instrument | 33067 |
| Name | BRANNEN BK |
|---|---|
| Type | Bank |
| Address | INVERNESS, FL 34451-1929 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 16, 2032 |
Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27.00 Veteran's exemption | $261,552 (-17.47%) | $336,520 (+6.19%) Land $60,920 Building $275,600 |
| 2024 | $27.00 (-99.15%) Homeowner's exemption Additional exemption filed | $316,915 (-3.2%) Land $36,550 Building $280,365 | $316,915 (-3.2%) Land $36,550 Building $280,365 |
| 2023 | $3,172.00 (+6.98%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $327,401 (+16.69%) Land $34,110 Building $293,291 | $327,401 (+16.69%) Land $34,110 Building $293,291 |
| 2022 | $2,965.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $280,585 Land $29,970 Building $250,615 | $280,585 Land $29,970 Building $250,615 |
Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 47% of the US · above 18% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,471 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 2718S19E00201190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 2,344 sqft Gross Area |
| 1st Floor | 1,226 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 106,144 sqft (2.43 acres) |
| Depth X Width | 635 ft x 166 ft Depth x Width |
| Garage Type | Detached Garage |
| Garage Area | 600 sqft Garage |
| Pool Area | 549 sqft Pool |
|---|---|
| Patio Area | 270 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 548 sqft Porch |
| Utility Building | 160 sqft Utility Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 1623065 |
|---|---|
| Street Address | 1862 E RAY ST |
| City | HERNANDO |
| State | FL |
| Zip | 34442-4931 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERCALA ACRES UNIT 2 PB 8 PG 16 E1/2 OF LOT 119 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 28 |
| Legal Subdivision | HERCALA ACRES UNIT 2 |
| Legal Tract | 119 |
| Legal Lot Number | 119 |
| Legal Unit | 2 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 2 |
| Census Block | 2010 |
| Census Tract | 450705 |
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