3134 E Ramsey St, Inverness, FL 34453 Property Records

Citrus County property record for 3134 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	0.44 acres (19,200 sqft)
Owner	2 Owner Names on File
Last Sale	$86,900 (Feb 2004)
Tax Bill	$663 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0020-00570-025.0`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0020-00570-025.0`
Alternative APNs	`0219S19E0020005700250` `3204944`

Interior

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

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	19,200 sqft (0.44 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	400 sqft
Parking Spaces	5 Parking Spaces
Porch	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	3204944
Old Parcel Number	0219S19E0020005700250
Street Address	3134 E RAMSEY ST
City	INVERNESS
State	FL
Zip	34453-9486
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR MED DENSITY RESIDENT
Legal Description	INVERNESS HIGHLANDS UNIT 2 PB 2 PG 97 LOTS 25 26 27 28 29 30 31 & 32 BLK 57
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 2
Legal Block	57
Legal Lot Number	25-32 26
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1055
Census Tract	450705

Owner

The current owner of 3134 E Ramsey St bought it in February 2004.

Source: Citrus County records, as of December 10, 2025

Owner of Record	2 Owner Names on File
Mailing Address	3134 E RAMSEY ST, INVERNESS, FL 34453-9486
Occupancy	Owner Occupied

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

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2004 · Amount on File
Deed Sale	Feb 13, 2004 · Amount on File
Prior Sale	Feb 13, 2004 · Amount on File
Deed Document Number	2004009251
Deed Book / Page	1688 / 1392
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3134 E RAMSEY ST, INVERNESS, FL 34453-9486
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3134 E RAMSEY ST, INVERNESS, FL 34453-9486

Mortgage

Document Number	0036270672
Date	Dec 15, 2025
Book Page	3627/672
Instrument	2025074927

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3134 E RAMSEY ST, INVERNESS, FL 34453-9486
Transaction Type	Mortgage
Record Updated	Jul 18, 2022
Title Company	NOT AVAILABLE, PATCH REEF TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3134 E RAMSEY ST, INVERNESS, FL 34453-9486

Mortgage

Document Number	0032972001
Date	Jun 28, 2022
Book Page	3297/2001
Instrument	2022045976

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 3134 E Ramsey St was $663 with exemptions applied, up 11.8% from the year before.

Source: Citrus County assessment roll, as of July 1, 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	$663.00 (+11.8%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$193,807 (-0.31%) Land $17,120 Building $176,687	$193,807 (-0.31%) Land $17,120 Building $176,687
2024	$593.00 (+1.02%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$194,402 (-2.95%) Land $14,880 Building $179,522	$194,402 (-2.95%) Land $14,880 Building $179,522
2023	$587.00 (-6.97%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$200,301 (+19.67%) Land $13,600 Building $186,701	$200,301 (+19.67%) Land $13,600 Building $186,701
2022	$631.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$167,379 Land $8,800 Building $158,579	$167,379 Land $8,800 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 3134 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 3134 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.

Nearby Properties on E Ramsey St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures