2976 E Ramsey St, Inverness, FL 34453 Property Records

Citrus County property record for 2976 E Ramsey St, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,256 sqft · built 2004
Lot Size	0.332 acres (14,480 sqft)
Owner	2 Company Names on File
Last Sale	$282,500 (Sep 2022)
Tax Bill	$2,781 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0020-00360-0420`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0020-00360-0420`
Alternative APNs	`0219S19E0020003600420` `3200908`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,256 sqft Living Area
Gross Area	1,906 sqft
1st Floor Area	1,256 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	14,480 sqft (0.332 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Screened Aluminum Porch
Porch Area	270 sqft
Patio Area	160 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3200908
Street Address	2976 E RAMSEY ST
City	INVERNESS
State	FL
Zip	34453-9484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS UNIT 2 PB 2 PG 97 LOTS 42 43 44 45 46 & 47 BLK 36
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 2
Legal Block	36
Legal Lot Number	42
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1053
Census Tract	450705

Owner

2976 E Ramsey St is owned by a company that acquired it in February 2025.

Source: Citrus County records, as of December 3, 2025

Owner of Record	2 Company Names on File
Mailing Address	2976 E RAMSEY ST, INVERNESS, FL 34453-9484
Owner Type	Company
Vesting	Life Tenant

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
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 29, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Dec 15, 2010 · Amount on File
Deed Document Number	202268060
Deed Book / Page	3324 / 910
Last Transfer Date	Feb 17, 2025
Transfer Doc	0035411572
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 30, 2022
Property Address	2976 E RAMSEY ST, INVERNESS, FL 34453-9484
Document Number	0033240910
Book / Page	3324 / 910
Map Reference	MB 2 PG 97-102
Instrument Date	Sep 30, 2022
Instrument	2022068060
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,977.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9113 SW 32ND AVENUE RD, 9113, OCALA, FL 34476-6690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2976 E RAMSEY ST, INVERNESS, FL 34453-9484

Mortgage

Document Number	0003324912
Date	Sep 30, 2022
Instrument	3324/912

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	2976 E RAMSEY ST, INVERNESS, FL 34453-9484
Document Number	0028920054
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2976 E RAMSEY ST INVERNESS FL 344539484, INVERNESS, FL 34453-9484

Mortgage

Document Number	0028920054
Date	Apr 6, 2018
Book Page	002892/000054
Instrument	17030

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2976 E Ramsey St was $2,781, down 0.4% 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	$2,781.00 (-0.36%)	$214,753 (-1.53%) Land $12,840 Building $201,913	$214,753 (-1.53%) Land $12,840 Building $201,913
2024	$2,791.00 (-1.17%) Homeowner's exemption Additional exemption filed	$218,097 (-0.2%) Land $11,160 Building $206,937	$218,097 (-0.2%) Land $11,160 Building $206,937
2023	$2,824.00 (+235.79%) Homeowner's exemption Additional exemption filed	$218,532 (+20.75%) Land $9,180 Building $209,352	$218,532 (+20.75%) Land $9,180 Building $209,352
2022	$841.00 Homeowner's exemption Additional exemption filed	$180,973 Land $6,600 Building $174,373	$180,973 Land $6,600 Building $174,373

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

Flood

FEMA maps place 2976 E Ramsey St 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
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 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 2976 E Ramsey St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 System	INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 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 82 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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