Citrus County property record for 3164 N Chandler Dr, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,773 sqft · built 2002 |
| Lot Size | 0.252 acres (10,964 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $44,900 (Apr 2001) |
| Tax Bill | $1,557 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Aug 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-18S-22-0020-000I0-0020 |
| Primary APN | 19E-18S-22-0020-000I0-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,773 sqft Living Area |
| Gross Area | 2,214 sqft |
| 1st Floor Area | 1,773 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 10,964 sqft (0.252 acres) |
| Lot Dimensions | 135 ft deep x 80 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 200 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 211 sqft |
| Patio Area | 110 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2943971 |
|---|---|
| Street Address | 3164 N CHANDLER DR |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | CANTERBURY LAKE ESTATES SECOND ADDN PB 16 PG 80 LOT 2 BLK I |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 22 |
| Legal Subdivision | CANTERBURY LAKE ESTATES SECOND |
| Legal Block | I |
| Legal Lot Number | 2 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 450104 |
3164 N Chandler Dr is owned and occupied by two individuals who acquired it in July 2010.
Source: Citrus County records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3164 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Aug 9, 2022 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2001 · Amount on File |
| Deed Sale | Apr 30, 2001 · Amount on File |
| Deed Document Number | 20011188184 |
| Deed Book / Page | 1423 / 5 |
| Last Transfer Date | Jul 9, 2010 |
| Transfer Doc | 0023661414 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3164 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3164 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Document Number | 0033091438 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 3309/1438 |
| Instrument | 2022055582 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 932 Months |
| Due | Apr 1, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.76% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3164 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3164 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Document Number | 0033091422 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 3309/1422 |
| Instrument | 2022055581 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 932 Months |
| Due | Apr 1, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.76% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
The 2025 property tax bill for 3164 N Chandler Dr was $1,557 with a homeowner's exemption, up 6.6% from the year before.
Source: Citrus County assessment roll, as of December 3, 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 | $1,557.00 (+6.57%) Homeowner's exemption | $134,218 (-52.97%) | $269,725 (-5.5%) Land $13,900 Building $255,825 |
| 2024 | $1,461.00 (+2.96%) Homeowner's exemption Additional exemption filed | $285,418 (+5.28%) Land $13,900 Building $271,518 | $285,418 (+5.28%) Land $13,900 Building $271,518 |
| 2023 | $1,419.00 (+7.09%) Homeowner's exemption Additional exemption filed | $271,100 (+15.65%) Land $13,900 Building $257,200 | $271,100 (+15.65%) Land $13,900 Building $257,200 |
| 2022 | $1,325.00 Homeowner's exemption Additional exemption filed | $234,414 Land $10,100 Building $224,314 | $234,414 Land $10,100 Building $224,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3164 N Chandler Dr 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 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 risk around 3164 N Chandler Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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