Citrus County property record for 3194 N Chandler Dr, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,770 sqft · built 2004 |
| Lot Size | 0.274 acres (11,937 sqft) |
| Owner | Individual Name on File |
| Last Sale | $458,000 (May 2024) |
| Tax Bill | $2,656 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Apr 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-18S-22-0020-000I0-0050 |
| Primary APN | 19E-18S-22-0020-000I0-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,770 sqft Living Area |
| Gross Area | 2,460 sqft |
| 1st Floor Area | 1,770 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 11,937 sqft (0.274 acres) |
| Lot Dimensions | 146 ft deep x 90 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 312 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 280 sqft |
| Patio Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2944005 |
|---|---|
| Street Address | 3194 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 5 BLK I |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 22 |
| Legal Subdivision | CANTERBURY LAKE ESTATES SECOND |
| Legal Block | I |
| Legal Lot Number | 5 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 450104 |
3194 N Chandler Dr is owned and occupied by an individual who bought it in May 2024.
Source: Citrus County records, as of March 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC |
| Jun 21, 2019 | Deed of Trust, Mortgage · Line of Credit RAYMOND JAMES BANK NA |
| Jul 15, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2024 · Amount on File |
| Deed Sale | May 2, 2024 · Amount on File |
| Prior Sale | Apr 25, 2022 · Amount on File |
| Deed Document Number | 202425643 |
| Deed Book / Page | 3464 / 1570 |
| Prior Transfer Date | Jul 15, 2020 |
| Prior Transfer Doc | 0030751088 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 46 MERRIMAN FOREST DR 1, 1, INTERVALE, NH 03845 |
| Document Number | 0032931908 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 3293/1908 |
| Instrument | 2022042674 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Apr 25, 2022 |
| Property Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Document Number | 0032770777 |
| Book / Page | 3277 / 777 |
| Map Reference | MB 16 PG 80-86 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022029440 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,499.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 510 N ROME AVE UNIT 220, 510, TAMPA, FL 33606-1314 |
| Name | Verified Name |
|---|---|
| Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Document Number | 0003277779 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 3277/779 |
| Name | AMERICAN INTERNET MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029850713 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 2985/0713 |
| Instrument | 2019032466 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jul 15, 2020 |
| Property Address | 3194 N CHANDLER DR, HERNANDO, FL 34442-5447 |
| Document Number | 0030751088 |
| Book / Page | 003075 / 001088 |
| Instrument Date | Jul 15, 2020 |
| Instrument | 36414 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2346 N 66TH ST WAUWATOSA WI 532131431, WAUWATOSA, WI 53213-1431 |
The 2025 property tax bill for 3194 N Chandler Dr was $2,656, down 42.4% 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 | $2,656.00 (-42.37%) | $213,326 (-29.29%) | $317,018 (+5.08%) Land $13,900 Building $303,118 |
| 2024 | $4,609.00 (+1.65%) Additional exemption filed | $301,705 (+2.7%) Land $13,900 Building $287,805 | $301,705 (+2.7%) Land $13,900 Building $287,805 |
| 2023 | $4,534.00 (+148.3%) Additional exemption filed | $293,760 (+16.11%) Land $13,900 Building $279,860 | $293,760 (+16.11%) Land $13,900 Building $279,860 |
| 2022 | $1,826.00 Homeowner's exemption Additional exemption filed | $253,005 Land $10,100 Building $242,905 | $253,005 Land $10,100 Building $242,905 |
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.
FEMA maps place 3194 N Chandler Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 3194 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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