3102 E Ramsey St, Inverness, FL 34453 Property Records

Citrus County property record for 3102 E Ramsey St, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2004
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on File
Last Sale	$86,900 (Jan 2004)
Tax Bill	$711 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0020-00570-0330`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0020-00570-0330`
Alternative APNs	`0219S19E0020005700330` `3204956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,696 sqft
1st Floor Area	1,296 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	4 Parking Spaces
Porch	Finished/Open Porch
Porch Area	60 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3204956
Street Address	3102 E RAMSEY ST
City	INVERNESS
State	FL
Zip	34453-9486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HIGHLANDS UNIT 2 PB 2 PG 97 LOTS 33 34 35 & 36 BLK 57
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 2
Legal Block	57
Legal Lot Number	33
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1055
Census Tract	450705

Owner

3102 E Ramsey St is owned and occupied by two individuals who acquired it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3102 E RAMSEY ST, INVERNESS, FL 34453-9486
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2004 · Amount on File
Deed Sale	Jan 30, 2004 · Amount on File
Deed Document Number	20045781
Deed Book / Page	1684 / 654
Last Transfer Date	Mar 16, 2020
Transfer Doc	0030480678
Record Updated	Jun 8, 2026

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Mar 20, 2020
Property Address	3102 E RAMSEY ST, INVERNESS, FL 34453-9486
Document Number	0030480678
Book / Page	3048 / 678
Map Reference	MB 2 PG 97-102
Instrument Date	Mar 16, 2020
Instrument	2020015686
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 E RAMSEY ST, INVERNESS, FL 34453-9486

Mortgage

Document Number	30480680
Date	Mar 20, 2020
Instrument	3048/0680

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3102 E Ramsey St was $711 with a homeowner's exemption, up 8.7% 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	$711.00 (+8.72%) Homeowner's exemption	$74,277 (-60.27%)	$185,247 (-0.92%) Land $8,560 Building $176,687
2024	$654.00 (+0.93%) Homeowner's exemption Additional exemption filed	$186,962 (-3.38%) Land $7,440 Building $179,522	$186,962 (-3.38%) Land $7,440 Building $179,522
2023	$648.00 (+3.68%) Homeowner's exemption Additional exemption filed	$193,501 (+18.73%) Land $6,800 Building $186,701	$193,501 (+18.73%) Land $6,800 Building $186,701
2022	$625.00 Homeowner's exemption Additional exemption filed	$162,979 Land $4,400 Building $158,579	$162,979 Land $4,400 Building $158,579

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

Flood

FEMA maps place 3102 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 3102 E Ramsey St is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 129 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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