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2981 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 2981 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,689 sqft · built 2021
Lot Size1.13 acres (49,526 sqft)
Owner2 Individual Names on File
Last Sale$279,000 (Aug 2021)
Tax Bill$27 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Nov 2020 Sale
Flood ZoneZone X (minimal risk)
APN19E-18S-18-0110-00040-0120

Property Details

APN / Parcel Number

Primary APN19E-18S-18-0110-00040-0120
Alternative APNs
  • 1818S19E0110000400120
  • 2288531

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,689 sqft Living Area
Gross Area2,364 sqft
1st Floor Area1,689 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialCombination
Roof TypeHip
Roof MaterialFiberglass
Lot Area49,526 sqft (1.13 acres)
Lot Dimensions232 ft deep x 194 ft wide
Garage TypeAttached
Garage Area675 sqft
Parking Spaces6 Parking Spaces
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number2288531
Street Address2981 N ANNAPOLIS AVE
CityHERNANDO
StateFL
Zip34442-4717
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCRR
Legal DescriptionCITRUS HILLS 1ST ADD PB 9 PG 73 LT 12 BLK 4 DESC IN OR BK 874 PG 1629
Legal Range19E
Legal Township18S
Legal Section19
Legal SubdivisionCITRUS HILLS 1ST ADD (PB9-73)
Legal Block4
Legal Lot Number12
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group2
Census Block2023
Census Tract450104

Owner

2981 N Annapolis Ave is owned and occupied by two individuals who bought it in August 2021.

Source: Citrus County records, as of March 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address2981 N ANNAPOLIS AVE, HERNANDO, FL 34442-4717
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 5, 2021Warranty Deed, Transfer · VA Mortgage
NFM INC
Nov 30, 2020Warranty Deed, Transfer
MASTERS TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 5, 2021 · Amount on File
Deed SaleAug 5, 2021 · Amount on File
Prior SaleNov 30, 2020 · Amount on File
Deed Document Number202153807
Deed Book / Page3192 / 1787
Prior Transfer DateNov 24, 2020
Prior Transfer Doc0031121563
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateAug 5, 2021
Property Address2981 N ANNAPOLIS AVE, HERNANDO, FL 34442-4717
Document Number0031921787
Book / Page3192 / 1787
Map ReferenceMB 9 PG 73-83
Instrument DateJul 30, 2021
Instrument2021053807
Transaction TypeTransfer
Record UpdatedFeb 2, 2023
Title CompanyWOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,953.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9355 113TH ST # ST7307, ST7307, SEMINOLE, FL 33775-6950

Transferred To (Grantee/Buyer)

NameVerified Name
Address2981 N ANNAPOLIS AVE, HERNANDO, FL 34442-4717

Mortgage

Document Number0031921789
DateAug 5, 2021
Instrument3192/1789
Lender
NameNFM INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2051

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateNov 30, 2020
Property Address2981 N ANNAPOLIS AVE, HERNANDO, FL 34442-4717
Document Number0031121563
Book / Page003112 / 001563
Instrument DateNov 24, 2020
Instrument65053
Transaction TypeTransfer
Record UpdatedDec 22, 2020
Title CompanyMASTERS TITLE

Transaction

AmountAmount on Record
Tax$105.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address9355 113TH ST #7307 SEMINOLE FL 337756889, 7307, SEMINOLE, FL 33775-6889

Tax Assessment & Valuation

The 2025 property tax bill for 2981 N Annapolis Ave was $27 with a veteran's exemption.

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$27.00 Veteran's exemption$276,887 (-12.05%)$304,234 (-3.37%) Land $32,000 Building $272,234
2024$27.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$314,828 (+1.32%) Land $26,500 Building $288,328$314,828 (+1.32%) Land $26,500 Building $288,328
2023$27.00 (-99.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed$310,722 (+22.51%) Land $24,000 Building $286,722$310,722 (+22.51%) Land $24,000 Building $286,722
2022$3,168.00 Disabled Person's exemption Senior Citizen's exemption Veteran's exemption$253,638 Land $18,000 Building $235,638$253,638 Land $18,000 Building $235,638

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

Flood

FEMA maps place 2981 N Annapolis Ave 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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

Wildfire risk around 2981 N Annapolis Ave is low, with a 0.06% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemROLLING OAKS SUBDIVISION
public/private · serves 11,572 people · EPA ID FL6090150
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 67 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

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