3118 E Gerald Ln, Inverness, FL 34453 Property Records

Citrus County property record for 3118 E Gerald Ln, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2023
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$265,189 (Jan 2024)
Tax Bill	$3,018 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0020-00560-0350`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0020-00560-0350`
Alternative APNs	`0219S19E0020005600350` `3522507`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
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	5 Parking Spaces
Porch	Screened Aluminum Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	3522507
Street Address	3118 E GERALD LN
City	INVERNESS
State	FL
Zip	34453-0609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HIGHLANDS UNIT NO. 2 PB 2 PG 97 - 102 LOT 35 36 37 & 38 BLK 56.
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 2
Legal Block	56
Legal Lot Number	35
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1056
Census Tract	450705

Owner

Source: Citrus County records, as of May 21, 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	3118 E GERALD LN, INVERNESS, FL 34453-0609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 9, 2024	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 4, 2021	Special Warranty Deed, Transfer STEEL CITY TITLE INC, STEEL CITY TITLE
Jan 2, 2018	Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY
Jan 2, 2018	Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Prior Sale	Feb 1, 1986 · Amount on Record
Deed Document Number	20241272
Deed Book / Page	3436 / 2025
Prior Transfer Date	Aug 3, 2011
Prior Transfer Doc	0024350896
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3118 E GERALD LN, INVERNESS, FL 34453-0609
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 E GERALD LN, INVERNESS, FL 34453-0609

Mortgage

Document Number	0036512144
Date	Mar 18, 2026
Book Page	3651/2144
Instrument	2026015346

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 9, 2024
Property Address	3118 E GERALD LN, INVERNESS, FL 34453-0609
Document Number	0034362025
Book / Page	3436 / 2025
Map Reference	MB 2 PG 97-102
Instrument Date	Dec 28, 2023
Instrument	2024001272
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2024
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,856.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3917 RIGA BLVD, TAMPA, FL 33619-1345

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 E GERALD LN, INVERNESS, FL 34453-0609

Mortgage

Document Number	0034362026
Date	Jan 9, 2024
Instrument	3436/2026

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 4, 2021
Property Address	3118 E GERALD LN, INVERNESS, FL 34453-0609
Document Number	0032120054
Book / Page	3212 / 54
Map Reference	MB 2 PG 97-102
Instrument Date	Sep 21, 2021
Instrument	2021068505
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount Recorded
Tax	$119.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 NE 8TH AVE, OCALA, FL 34470-6727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9416 CAMDEN FIELD PKWY, RIVERVIEW, FL 33578-0519
Investor	Possibly a Property Investor

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 2, 2018
Property Address	3118 E GERALD LN, INVERNESS, FL 34453-0609
Document Number	0028721661
Book / Page	002872 / 001661
Instrument Date	Nov 22, 2017
Instrument	212
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1041 CRYSTAL RIVER FL 344231041, CRYSTAL RIVER, FL 34423-1041

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 2, 2018
Property Address	3118 E GERALD LN, INVERNESS, FL 34453-0609
Document Number	0028721659
Book / Page	002872 / 001659
Instrument Date	Nov 22, 2017
Instrument	211
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1041 CRYSTAL RIVER FL 344231041, CRYSTAL RIVER, FL 34423-1041

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	$3,018.00 (+0.47%)	$230,772 (-0.73%) Land $6,420 Building $224,352	$230,772 (-0.73%) Land $6,420 Building $224,352
2024	$3,004.00 (+4,451.52%) Homeowner's exemption Additional exemption filed	$232,471 (+4,458.25%) Land $5,580 Building $226,891	$232,471 (+4,458.25%) Land $5,580 Building $226,891
2023	$66.00 (+29.41%)	$5,100 (+54.55%) Land $5,100	$5,100 (+54.55%) Land $5,100
2022	$51.00 Additional exemption filed	$3,300 Land $3,300	$3,300 Land $3,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record 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

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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