3196 S Graymor Path, Inverness, FL 34450 Property Records

Citrus County property record for 3196 S Graymor Path, Inverness, FL 34450

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,877 sqft · built 1994
Lot Size	1 acres (43,669 sqft)
Owner	2 Company Names on Record
Last Sale	$250,000 (Jan 2007)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2319S20E01500140`

Property Details

APN / Parcel Number

Primary APN	`2319S20E01500140`
Alternative APNs	`20E-19S-23-0150-00000-0140` `20E-19S-23-0150-014.0` `2700637`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,877 sqft Living Area
Gross Area	2,709 sqft
1st Floor Area	1,877 sqft
Flooring	Wood

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	43,669 sqft (1 acres)
Lot Width	115 ft Width
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	894 sqft
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2700637
Street Address	3196 S GRAYMOR PATH
City	INVERNESS
State	FL
Zip	34450-8884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	LOCHVERNESS PHASE TWO PB 15 PG 39 LOT 14
Legal Range	20E
Legal Township	19S
Legal Section	23
Legal Subdivision	LOCHVERNESS PHASE TWO
Legal Phase	2
Legal Lot Number	14
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3000
Census Tract	451002

Owner

Source: Citrus County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 6, 2026	Deed of Trust · Line of Credit REGIONS BANK
May 6, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 6, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2007 · Amount on Record
Deed Sale	Jan 19, 2007 · Amount on Record
Prior Sale	Aug 13, 2002 · Amount on Record
Deed Document Number	20073979
Deed Book / Page	2088 / 2422
Last Transfer Date	Jun 29, 2023
Transfer Doc	0033921084
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884

Mortgage

Document Number	0032270682
Date	Nov 19, 2021
Book Page	3227/682
Instrument	2021080161

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

May 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	May 6, 2026
Property Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884
Document Number	0000026462
Book / Page	3667 / 590
Instrument Date	Apr 29, 2026
Instrument	2026.26462
Record Updated	May 15, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884

Mortgage

Document Number	0000026462,
Date	May 6, 2026
Book Page	3667/590
Instrument	2026.26462

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2056

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	May 6, 2026
Property Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884
Document Number	0036670590
Book / Page	3667 / 590
Instrument Date	Apr 29, 2026
Instrument	202626462
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884

Mortgage

Document Number	0000026462,
Date	May 6, 2026
Book Page	3667/590
Instrument	202626462

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Jul 6, 2023
Property Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884
Document Number	0033921084
Book / Page	3392 / 1084
Map Reference	MB 15 PG 39&40
Instrument Date	Jun 29, 2023
Instrument	2023038991
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3196 S GRAYMOR PATH, INVERNESS, FL 34450-8884

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	$2,236.00 (+5.37%)	$178,019 (-41.38%)	$287,588 (-5.29%) Land $17,540 Building $270,048
2024	$2,122.00 (+2.66%) Homeowner's exemption Additional exemption filed	$303,664 (+3.18%) Land $17,540 Building $286,124	$303,664 (+3.18%) Land $17,540 Building $286,124
2023	$2,067.00 (+6.88%) Homeowner's exemption Additional exemption filed	$294,300 (+1.52%) Land $17,540 Building $276,760	$294,300 (+1.52%) Land $17,540 Building $276,760
2022	$1,934.00 Homeowner's exemption Additional exemption filed	$289,880 Land $17,540 Building $272,340	$289,880 Land $17,540 Building $272,340

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 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 Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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