3145 E Murray St, Inverness, FL 34453 Property Records

Citrus County property record for 3145 E Murray St, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1989
Lot Size	0.44 acres (19,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jul 2026)
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0020-00460-0750`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0020-00460-0750`
Alternative APNs	`0219S19E0020004600750` `1639743`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	1,604 sqft
1st Floor Area	1,404 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	19,160 sqft (0.44 acres)
Lot Dimensions	120 ft deep x 160 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	200 sqft
Deck Area	90 sqft
Patio Area	162 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1639743
Street Address	3145 E MURRAY ST
City	INVERNESS
State	FL
Zip	34453-9458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS UNIT 2 LOTS 75 76 77 78 79 80 81 & 82 BLK 46
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 2
Legal Block	46
Legal Lot Number	75
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1014
Census Tract	450706

Owner

Source: Citrus County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jan 4, 2018	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 18, 2019	Correction Deed NOT AVAILABLE
Aug 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 1, 2017	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	202641308
Deed Book / Page	3687 / 2310
Prior Transfer Date	Nov 18, 2019
Prior Transfer Doc	0030181838
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 14, 2026
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Document Number	0000041308
Book / Page	3687 / 2310
Instrument Date	Jul 13, 2026
Instrument	202641308
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$166,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458

Mortgage

Document Number	0000041309,
Date	Jul 14, 2026
Book Page	3687/2312
Instrument	202641309

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

Mortgage

Document Number	0000041310,
Date	Jul 14, 2026
Book Page	3687/2327
Instrument	202641310

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458

Mortgage

Document Number	0032030668
Date	Sep 8, 2021
Book Page	3203/668
Instrument	2021061971

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028730158
Date	Jan 4, 2018
Book Page	2873/0158
Instrument	2018000490

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

November 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	CITRUS FL
Recording Date	Nov 18, 2019
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Document Number	0030181838
Book / Page	003018 / 001838
Instrument Date	Nov 18, 2019
Instrument	60156
Record Updated	Dec 12, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3145 E MURRAY ST INVERNESS FL 344539458, INVERNESS, FL 34453-9458

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 12, 2019
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Document Number	0029970085
Book / Page	002997 / 000085
Instrument Date	Jul 19, 2019
Instrument	42080
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3145 E MURRAY ST INVERNESS FL 344539458, INVERNESS, FL 34453-9458

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 1, 2017
Property Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458
Document Number	0028080310
Book / Page	2808 / 0310
Map Reference	MB2 PG97-102
Instrument Date	Jan 30, 2017
Instrument	2017004554
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	AMERICAN TITLE SVCS CITRUS C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 EDGEWATER DR, 701, INVERNESS, FL 34453-1489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3145 E MURRAY ST, INVERNESS, FL 34453-9458

Mortgage

Document Number	28080312
Date	Feb 1, 2017
Instrument	2808/0312

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

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	$1,139.00 (+7.86%) Homeowner's exemption	$104,057 (-41.79%)	$173,119 (-3.16%) Land $17,120 Building $155,999
2024	$1,056.00 (+3.33%) Homeowner's exemption Additional exemption filed	$178,771 (+0.29%) Land $14,880 Building $163,891	$178,771 (+0.29%) Land $14,880 Building $163,891
2023	$1,022.00 (+11.09%) Homeowner's exemption Additional exemption filed	$178,254 (+19.41%) Land $11,560 Building $166,694	$178,254 (+19.41%) Land $11,560 Building $166,694
2022	$920.00 Homeowner's exemption Additional exemption filed	$149,285 Land $8,800 Building $140,485	$149,285 Land $8,800 Building $140,485

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

Wildfire

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.

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 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

3145 E Murray St, Inverness, FL 34453 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

Interest

September 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Murray St

Nearby Streets

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