2087 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 2087 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,640 sqft · built 2020
Lot Size	1.04 acres (45,480 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (Oct 2022)
Tax Bill	$6,957 (2025)
Deeds & Mortgages	Jan 2023 Transfer Oct 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00360-0120`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00360-0120`
Alternative APNs	`1818S19E0110003600120` `2297905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,640 sqft Living Area
Gross Area	3,959 sqft
1st Floor Area	2,640 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	45,480 sqft (1.04 acres)
Lot Dimensions	244 ft deep x 185 ft wide
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	9 Parking Spaces
Pool Area	448 sqft
Porch	Finished/Screened Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2297905
Street Address	2087 N ANNAPOLIS AVE
City	HERNANDO
State	FL
Zip	34442-4735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 12 BLK 36
Legal Range	19E
Legal Township	18S
Legal Section	19
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	36
Legal Lot Number	12
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2007
Census Tract	450705

Owner

2087 N Annapolis Ave is owned by two individuals who acquired it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	18765 SW 317TH TER, HOMESTEAD, FL 33030-5511
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 5, 2023	Intrafamily Transfer, Transfer
Oct 6, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 23, 2020	Warranty Deed, Transfer · Conventional with PMI VETERANS UNITED HM LNS
Mar 12, 2018	Warranty Deed, Transfer EXPRESS TITLE SERVICES/CITRUS INC
Mar 12, 2018	Warranty Deed, Transfer EXPRESS TITLE SERVICES/CITRUS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2022 · Amount on File
Deed Sale	Oct 6, 2022 · Amount on File
Prior Sale	Jun 23, 2020 · Amount on File
Deed Document Number	202269244
Deed Book / Page	3325 / 2030
Last Transfer Date	Jan 4, 2023
Transfer Doc	0033461003
Record Updated	Jun 8, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Jan 5, 2023
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Document Number	0033461003
Book / Page	3346 / 1003
Map Reference	MB 9 PG 73-83
Instrument Date	Jan 2, 2023
Instrument	2023000781
Transaction Type	Transfer
Record Updated	Jan 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18765 SW 317TH TER, HOMESTEAD, FL 33030-5511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18765 SW 317TH TER, HOMESTEAD, FL 33030-5511

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 6, 2022
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Document Number	0033252030
Book / Page	3325 / 2030
Map Reference	MB 9 PG 73-83
Instrument Date	Sep 15, 2022
Instrument	2022069244
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	INCOMPASS TITLE LLC, COMPASS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2087 N ANNAPOLIS AVE, 2087, HERNANDO, FL 34442-4735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18765 SW 317TH TER, HOMESTEAD, FL 33030-5511

Mortgage

Document Number	0033252032
Date	Oct 6, 2022
Instrument	3325/2032

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735

Mortgage

Document Number	0032291965
Date	Nov 30, 2021
Book Page	3229/1965
Instrument	2021082160

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 23, 2020
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Document Number	0030691576
Book / Page	003069 / 001576
Instrument Date	Jun 19, 2020
Instrument	32156
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	COMPASS LAND AND TITLE, COMPASS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,779.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2087 WORTH AURAPOLIS AVE HERNANDO FL 34442, HERNANDO, FL 34442

Mortgage

Document Number	30691577
Date	Jun 23, 2020
Book Page	003069/001577
Instrument	32157

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 12, 2018
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Document Number	0028860158
Book / Page	002886 / 000158
Instrument Date	Mar 5, 2018
Instrument	12013
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	EXPRESS TITLE SERVICES/CITRUS INC

Transaction

Amount	Amount on Record
Tax	$112.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1254 E HOBART LN HERNANDO FL 34442, HERNANDO, FL 34442

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 12, 2018
Property Address	2087 N ANNAPOLIS AVE, HERNANDO, FL 34442-4735
Document Number	0028860137
Book / Page	002886 / 000137
Instrument Date	Mar 5, 2018
Instrument	12011
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	EXPRESS TITLE SERVICES/CITRUS INC

Transaction

Amount	Amount on Record
Tax	$112.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1254 E HOBART LN HERNANDO FL 34442, HERNANDO, FL 34442

Tax Assessment & Valuation

The 2025 property tax bill for 2087 N Annapolis Ave was $6,957, down 3.1% 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	$6,957.00 (-3.05%)	$452,166 (-3.8%) Land $31,000 Building $421,166	$452,166 (-3.8%) Land $31,000 Building $421,166
2024	$7,176.00 (-0.13%) Additional exemption filed	$470,024 (+0.84%) Land $29,500 Building $440,524	$470,024 (+0.84%) Land $29,500 Building $440,524
2023	$7,185.00 (+5,557.48%) Additional exemption filed	$466,089 (+18%) Land $25,500 Building $440,589	$466,089 (+18%) Land $25,500 Building $440,589
2022	$127.00 Homeowner's exemption Additional exemption filed	$394,986 Land $17,250 Building $377,736	$394,986 Land $17,250 Building $377,736

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

Flood

FEMA maps place 2087 N Annapolis Ave 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
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 2087 N Annapolis Ave is low, with a 0.08% annual chance of 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	0.08% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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