Citrus County property record for 3096 E Murray St, Inverness, FL 34453
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 2004 |
| Lot Size | 0.22 acres (9,621 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $73,900 (Jan 2016) |
| Tax Bill | $922 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-19S-02-0020-00450-017.0 |
| Primary APN | 19E-19S-02-0020-00450-017.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 9,621 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Area | 380 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Patio Area | 160 sqft |
| Utility Building | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 1639468 |
|---|---|
| Old Parcel Number | 0219S19E0020004500170 |
| Street Address | 3096 E MURRAY ST |
| City | INVERNESS |
| State | FL |
| Zip | 34453-9459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR MED DENSITY RESIDENT |
| Legal Description | INVERNESS HGLDS UNIT 2 PB 2 PG 97 LOTS 17 18 19 & 20 BLK 45 |
| Legal Range | 19E |
| Legal Township | 19S |
| Legal Section | 02 |
| Legal Subdivision | INVERNESS HIGHLANDS UNIT 2 |
| Legal Block | 45 |
| Legal Lot Number | 17-20 18 |
| Legal Unit | 2 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 450706 |
Source: Citrus County records, as of December 10, 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 Record |
|---|---|
| Mailing Address | 3096 E MURRAY ST, INVERNESS, FL 34453-9459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 22, 2016 · Amount on Record |
| Deed Sale | Jan 22, 2016 · Amount on Record |
| Prior Sale | Oct 6, 2015 · Amount on Record |
| Deed Document Number | 2016003130 |
| Deed Book / Page | 2736 / 0345 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3096 E MURRAY ST, INVERNESS, FL 34453-9459 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3096 E MURRAY ST, INVERNESS, FL 34453-9459 |
| Document Number | 0034410078 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 3441/78 |
| Instrument | 2024005047 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Feb 20, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3096 E MURRAY ST, INVERNESS, FL 34453-9459 |
| Document Number | 0030721254 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3096 E MURRAY ST INVERNESS FL 344539459, INVERNESS, FL 34453-9459 |
| Document Number | 0030721254 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 003072/001254 |
| Instrument | 34130 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2050 |
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 | $922.00 (+8.98%) Homeowner's exemption Additional exemption filed | $185,348 (+3.63%) Land $8,560 Building $176,788 | $185,348 (+3.63%) Land $8,560 Building $176,788 |
| 2024 | $846.00 (+7.77%) Homeowner's exemption Additional exemption filed | $178,852 (-2.15%) Land $7,440 Building $171,412 | $178,852 (-2.15%) Land $7,440 Building $171,412 |
| 2023 | $785.00 (+6.8%) Homeowner's exemption Additional exemption filed | $182,774 (+18.77%) Land $6,800 Building $175,974 | $182,774 (+18.77%) Land $6,800 Building $175,974 |
| 2022 | $735.00 Homeowner's exemption Additional exemption filed | $153,895 Land $4,400 Building $149,495 | $153,895 Land $4,400 Building $149,495 |
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 |
|---|---|
| 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 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 143 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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