Citrus County property record for 3077 E Lloyd St, Inverness, FL 34453
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,197 sqft · built 1976 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $194,900 (Mar 2023) |
| Tax Bill | $1,678 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Apr 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-19S-02-0010-00180-0550 |
| Primary APN | 19E-19S-02-0010-00180-0550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,197 sqft Living Area |
| Gross Area | 1,920 sqft |
| 1st Floor Area | 1,197 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 12,000 sqft (0.276 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 11 Parking Spaces |
| Porch | Enclosed Wood Porch |
| Porch Area | 286 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 3526945 |
|---|---|
| Street Address | 3077 E LLOYD ST |
| City | INVERNESS |
| State | FL |
| Zip | 34453-0630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | INVRNSS HGLDS UNT 1 PB2 PG93 LOTS 55 56 57 58 & 59 BLK18 |
| Legal Range | 19E |
| Legal Township | 19S |
| Legal Section | 11 |
| Legal Subdivision | INVERNESS HIGHLANDS UNIT 1 |
| Legal Block | 18 |
| Legal Lot Number | 55 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 450706 |
Source: Citrus County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGEPROS LLC |
| Apr 3, 2023 | Intrafamily Transfer, Transfer |
| Mar 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Prior Sale | Jul 1, 1999 · Amount on Record |
| Deed Document Number | 202314255 |
| Deed Book / Page | 3361 / 2191 |
| Last Transfer Date | Apr 3, 2023 |
| Transfer Doc | 0033670726 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Document Number | 0036320237 |
|---|---|
| Date | Jan 5, 2026 |
| Book Page | 3632/237 |
| Instrument | 2026000312 |
| Name | MORTGAGEPROS LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.75% |
| Index | SOFR Average 30-Day |
| Max Rate | 9.75% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Apr 3, 2023 |
| Property Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Document Number | 0033670726 |
| Book / Page | 3367 / 726 |
| Map Reference | MB 2 PG 93-96 |
| Instrument Date | Apr 3, 2023 |
| Instrument | 2023018745 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Name | Verified Name |
|---|---|
| Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Mar 13, 2023 |
| Property Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Document Number | 0033612191 |
| Book / Page | 3361 / 2191 |
| Map Reference | MB 2 PG 93-96 |
| Instrument Date | Mar 13, 2023 |
| Instrument | 2023014255 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2023 |
| Title Company | AMERICAN TTL SVCS OF CITRUS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,364.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1096 S CHATEAU PT, INVERNESS, FL 34450-3565 |
| Name | Verified Name |
|---|---|
| Address | 3077 E LLOYD ST, INVERNESS, FL 34453-0630 |
| Document Number | 0033612193 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 3361/2193 |
| Instrument | 2023014256 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
Source: Citrus County assessment roll, as of December 3, 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 | $1,678.00 (+2.01%) Homeowner's exemption | $140,393 (-0.31%) Land $10,700 Building $129,693 | $140,393 (-0.31%) Land $10,700 Building $129,693 |
| 2024 | $1,645.00 (-27.76%) Homeowner's exemption Additional exemption filed | $140,827 (-0.2%) Land $9,300 Building $131,527 | $140,827 (-0.2%) Land $9,300 Building $131,527 |
| 2023 | $2,277.00 (+28.5%) Additional exemption filed | $141,116 (+20.1%) Land $8,500 Building $132,616 | $141,116 (+20.1%) Land $8,500 Building $132,616 |
| 2022 | $1,772.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $117,503 Land $4,400 Building $113,103 | $117,503 Land $4,400 Building $113,103 |
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 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 Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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