Citrus County property record for 2095 S Schooner Dr, Crystal River, FL 34429
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 1986 |
| Lot Size | 0.222 acres (9,709 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Sep 2020) |
| Tax Bill | $6,480 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 16E-19S-14-4C000-027.0 |
| Primary APN | 16E-19S-14-4C000-027.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Upper Floors Area | 990 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 9,709 sqft (0.222 acres) |
| Lot Dimensions | 80 ft deep x 185 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 792 sqft |
| Deck Area | 377 sqft |
| Patio Area | 484 sqft |
| Utility Building | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1009626 |
|---|---|
| Old Parcel Number | 1419S16E4C0000270 |
| Street Address | 2095 S SCHOONER DR |
| City | CRYSTAL RIVER |
| State | FL |
| Zip | 34429-8568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CLRMH COASTAL LAKES & RVR |
| Legal Description | IN T19S R16E: COM AT CONC MONUMENT 786.5 FT E & 313 FT S OF NW COR OF SEC 14 RUN S 7 DEG 26M E 195 FT TO POB TH S 71 DEG 19M |
| Legal Range | 16E |
| Legal Township | 19S |
| Legal Section | 14 |
| Legal Subdivision | WATERMANS UNREC SUB |
| Legal Lot Number | 27 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | CRYSTAL RIVER |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 450502 |
Source: Citrus County assessment roll, as of July 1, 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 File |
|---|---|
| Mailing Address | 5114 NE 122ND BLVD, OXFORD, FL 34484-2663 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED SOUTHERN BANK |
| Jul 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOUCK BETTY L (ES) |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 21, 2020 · Amount on Record |
| Deed Sale | Sep 21, 2020 · Amount on Record |
| Deed Document Number | 2020050105 |
| Deed Book / Page | 3093 / 127 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Sep 21, 2020 |
| Property Address | 2095 S SCHOONER DR, CRYSTAL RIVER, FL 34429-8568 |
| Document Number | 0030930127 |
| Book / Page | 3093 / 127 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 2020050105 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2346 NEW CHAPEL RD, 2346, RUSTBURG, VA 24588-2938 |
| Name | Verified Name |
|---|---|
| Address | 5114 NE 122ND BLVD, OXFORD, FL 34484-2663 |
| Document Number | 3093128 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 3093/128 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 2095 S SCHOONER DR, CRYSTAL RIVER, FL 34429-8568 |
| Document Number | 0030772114 |
| Instrument Date | Jul 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 2346 NEW CHAPEL RD RUSTBURG VA 245882938, RUSTBURG, VA 24588-2938 |
| Document Number | 0030772114 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 003077/002114 |
| Instrument | 38372 |
| Name | HOUCK BETTY L (ES) |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Citrus County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,480.00 (+7.32%) | $424,984 (+1.45%) Land $123,750 Building $301,234 | $424,984 (+1.45%) Land $123,750 Building $301,234 |
| 2024 | $6,038.00 (+9.36%) | $418,918 (+11.94%) Land $120,000 Building $298,918 | $418,918 (+11.94%) Land $120,000 Building $298,918 |
| 2023 | $5,521.00 (+14.78%) | $374,224 (+13.16%) Land $120,000 Building $254,224 | $374,224 (+13.16%) Land $120,000 Building $254,224 |
| 2022 | $4,810.00 | $330,694 Land $120,000 Building $210,694 | $330,694 Land $120,000 Building $210,694 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 272 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 283 units insured incl. 11 condo units |
| Nearby Flood Claims | 172 (1996–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OZELLO WATER ASSOCIATION private · serves 5,220 people · EPA ID FL6091322 |
|---|---|
| Water Source | Purchased groundwater from CITRUS CO UTL/CHARLES A. BLACK |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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