304 E Harvard St, Inverness, FL 34452 Property Records

Citrus County property record for 304 E Harvard St, Inverness, FL 34452

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,086 sqft · built 1974
Lot Size	0.331 acres (14,403 sqft)
Owner	2 Individual Names on File
Last Sale	$92,800 (Apr 2017)
Tax Bill	$1,057 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Aug 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02550-0470`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02550-0470`
Alternative APNs	`2119S20E0020025500470` `1778778`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,086 sqft Living Area
Gross Area	1,668 sqft
1st Floor Area	946 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	14,403 sqft (0.331 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	4 Parking Spaces
Porch	Screened Aluminum Porch
Porch Area	318 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1778778
Street Address	304 E HARVARD ST
City	INVERNESS
State	FL
Zip	34452-6783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 47 48 & 49 BLK 255
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	255
Legal Lot Number	47
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1036
Census Tract	451103

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	304 E HARVARD ST, INVERNESS, FL 34452-6783
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP
Aug 30, 2018	Loan Modification, Mortgage NATIONS LNDG
Apr 28, 2017	Warranty Deed, Transfer NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 28, 2017 · Amount on Record
Deed Sale	Apr 28, 2017 · Amount on Record
Prior Sale	Jun 29, 2009 · Amount on Record
Deed Document Number	201719704
Deed Book / Page	2825 / 1194
Prior Transfer Date	Jun 19, 2015
Prior Transfer Doc	0026981445
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	304 E HARVARD ST, INVERNESS, FL 34452-6783
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E HARVARD ST, INVERNESS, FL 34452-6783

Mortgage

Document Number	0033701933
Date	Apr 17, 2023
Book Page	3370/1933
Instrument	2023021735

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	304 E HARVARD ST, INVERNESS, FL 34452-6783
Document Number	0029291517
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 E HARVARD ST INVERNESS FL 344526783, INVERNESS, FL 34452-6783

Mortgage

Document Number	0029291517
Date	Sep 27, 2018
Book Page	002929/001517
Instrument	49123

Lender

Name	NATIONS LNDG
Address	VIRGINIA BEACH, VA 23452

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 28, 2017
Property Address	304 E HARVARD ST, INVERNESS, FL 34452-6783
Document Number	0028251194
Book / Page	002825 / 001194
Instrument Date	Apr 28, 2017
Instrument	19704
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$649.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 E HARVARD ST INVERNESS FL 344526783, INVERNESS, FL 34452-6783

Mortgage

Document Number	28251196
Date	Apr 28, 2017
Book Page	002825/001196
Instrument	19705

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

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	$1,057.00 (+8.19%) Homeowner's exemption	$98,562 (-37.36%)	$150,935 (-4.08%) Land $11,640 Building $139,295
2024	$977.00 (+3.5%) Homeowner's exemption Additional exemption filed	$157,352 (-0.68%) Land $10,680 Building $146,672	$157,352 (-0.68%) Land $10,680 Building $146,672
2023	$944.00 (+6.79%) Homeowner's exemption Additional exemption filed	$158,434 (+15.28%) Land $9,600 Building $148,834	$158,434 (+15.28%) Land $9,600 Building $148,834
2022	$884.00 Homeowner's exemption Additional exemption filed	$137,429 Land $8,280 Building $129,149	$137,429 Land $8,280 Building $129,149

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

304 E Harvard St, Inverness, FL 34452 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Harvard St

Nearby Streets

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