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190 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 190 W Keller St, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,218 sqft · built 1984
Lot Size0.996 acres (43,382 sqft)
Owner2 Individual Names on Record
Last Sale$114,000 (May 2014)
Tax Bill$1,704 (2025)
Deeds & MortgagesFeb 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN19E-18S-18-0110-00420-0170

Property Details

APN / Parcel Number

Primary APN19E-18S-18-0110-00420-0170
Alternative APNs
  • 1818S19E0110004200170
  • 2300973

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,218 sqft Living Area
Gross Area3,258 sqft
1st Floor Area2,218 sqft
FlooringConcrete/Cement
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialFiberglass
Lot Area43,382 sqft (0.996 acres)
Lot Dimensions291 ft deep x 150 ft wide
Garage TypeAttached
Garage Area704 sqft
Parking Spaces9 Parking Spaces
PorchEnclosed Porch
Porch Area539 sqft
Utility Building99 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2300973
Street Address190 W KELLER ST
CityHERNANDO
StateFL
Zip34442-4852
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCRR
Legal DescriptionCITRUS HILLS FIRST ADDITION PB 9 PG 73-83 LOT 17 BLK 42.
Legal Range18E
Legal Township18S
Legal Section25
Legal SubdivisionCITRUS HILLS 1ST ADD (PB9-73)
Legal Block42
Legal Lot Number17
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group3
Census Block3012
Census Tract450703

Owner

Source: Citrus County records, as of March 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address190 W KELLER ST, HERNANDO, FL 34442-4852
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 5, 2014 · Amount on Record
Deed SaleMay 5, 2014 · Amount on Record
Prior SaleMar 1, 1998 · Amount on Record
Deed Document Number201419592
Deed Book / Page2619 / 2202
Last Transfer DateAug 8, 2025
Transfer Doc0035940238
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address190 W KELLER ST, HERNANDO, FL 34442-4852
Document Number0030402242
Instrument DateFeb 3, 2020
Transaction TypeMortgage
Record UpdatedMar 20, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address190 W KELLER ST HERNANDO FL 344424852, HERNANDO, FL 34442-4852

Mortgage

Document Number0030402242
DateFeb 20, 2020
Book Page003040/002242
Instrument9701
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 19, 2050

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,704.00 (+6.04%)$139,407 (-50.65%)$274,903 (-2.68%) Land $31,000 Building $243,903
2024$1,607.00 (+2.82%) Homeowner's exemption Additional exemption filed$282,484 (+0.76%) Land $29,500 Building $252,984$282,484 (+0.76%) Land $29,500 Building $252,984
2023$1,563.00 (+6.76%) Homeowner's exemption Additional exemption filed$280,347 (+18.81%) Land $25,500 Building $254,847$280,347 (+18.81%) Land $25,500 Building $254,847
2022$1,464.00 Homeowner's exemption Additional exemption filed$235,968 Land $17,250 Building $218,718$235,968 Land $17,250 Building $218,718

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemCITRUS CO UTL/CHARLES A. BLACK
serves 29,218 people · EPA ID FL6094948
Water SourceGroundwater
Last State InspectionOct 2023
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting14
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 134 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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