3190 N Wheaton Pt, Hernando, FL 34442 Property Records

Citrus County property record for 3190 N Wheaton Pt, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,302 sqft · built 1988
Lot Size	0.822 acres (35,830 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Aug 2021)
Tax Bill	$4,551 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`20E-18S-19-34100-005.0`

Property Details

APN / Parcel Number

Primary APN	`20E-18S-19-34100-005.0`
Alternative APNs	`1918S20E341000050` `2392762`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,302 sqft Living Area
1st Floor Area	2,498 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	35,830 sqft (0.822 acres)
Lot Dimensions	206 ft deep x 324 ft wide
Garage Area	322 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	708 sqft
Deck Area	100 sqft
Patio Area	200 sqft
Fence	Fence
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2392762
Old Parcel Number	1918S20E341000050
Street Address	3190 N WHEATON PT
City	HERNANDO
State	FL
Zip	34442-4371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR COASTAL LAKES & RVRS
Legal Description	LOT 5 & 1/2 OF LOT 6 IN SEC 19-18-20 KNOWN AS PCL 34100-0050 ON CITRUS CO ASSESSMENT MAP 562C FURTHE R DESC AS: COM AT THE NW
Legal Range	20E
Legal Township	18S
Legal Section	19
Legal Subdivision	UNREC TRACTS IN 19-18S-20E
Legal Block	B
Legal Lot Number	1,5-7
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3001
Census Tract	450800

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	3190 N WHEATON PT, HERNANDO, FL 34442-4371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 16, 2018	Warranty Deed, Transfer AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Jan 16, 2018 · Amount on Record
Deed Document Number	0003197857
Deed Book / Page	3197 / 857
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 19, 2021
Property Address	3190 N WHEATON PT, HERNANDO, FL 34442-4371
Document Number	0031970857
Book / Page	3197 / 857
Instrument Date	Aug 19, 2021
Instrument	2021057403
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3175 N WHEATON PT, 3175, HERNANDO, FL 34442-4372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 N WHEATON PT, HERNANDO, FL 34442-4371

Mortgage

Document Number	3197860
Date	Aug 19, 2021
Instrument	3197/860

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 16, 2018
Property Address	3190 N WHEATON PT, HERNANDO, FL 34442-4371
Document Number	0028742024
Book / Page	002874 / 002024
Instrument Date	Jan 11, 2018
Instrument	2017
Transaction Type	Transfer
Record Updated	Jan 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3175 N WHEATON PT HERNANDO FL 344424372, HERNANDO, FL 34442-4372

Tax Assessment & Valuation

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	$4,551.00 (+4.09%) Homeowner's exemption Additional exemption filed	$429,054 (-1.95%) Land $67,270 Building $361,784	$429,054 (-1.95%) Land $67,270 Building $361,784
2024	$4,372.00 (+2.32%) Homeowner's exemption Additional exemption filed	$437,566 (+15.08%) Land $67,270 Building $370,296	$437,566 (+15.08%) Land $67,270 Building $370,296
2023	$4,273.00 (+6.91%) Homeowner's exemption Additional exemption filed	$380,230 (+15.89%) Land $67,270 Building $312,960	$380,230 (+15.89%) Land $67,270 Building $312,960
2022	$3,997.00 Homeowner's exemption Additional exemption filed	$328,085 Land $67,270 Building $260,815	$328,085 Land $67,270 Building $260,815

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

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1998–2004)
Most Recent Claim	Sep 2004 · Hurricane Frances

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	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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