3207 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 3207 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,157 sqft · built 2023
Lot Size	1.03 acres (44,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$29,000 (Feb 2021)
Tax Bill	$8,024 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00040-0060`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00040-0060`
Alternative APNs	`1818S19E0110000400060` `2288469`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,157 sqft Living Area
Gross Area	4,422 sqft
1st Floor Area	3,157 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Combination
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	44,976 sqft (1.03 acres)
Lot Dimensions	232 ft deep x 194 ft wide
Garage Type	Attached
Garage Area	1,044 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Pool Area	476 sqft
Porch	Patio
Patio Area	350 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	2288469
Street Address	3207 N ANNAPOLIS AVE
City	HERNANDO
State	FL
Zip	34442-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 6 BLK 4
Legal Range	19E
Legal Township	18S
Legal Section	18
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	4
Legal Lot Number	6
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2023
Census Tract	450104

Owner

Source: Citrus County records, as of August 12, 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	3207 N ANNAPOLIS AVE, HERNANDO, FL 34442-4718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Feb 8, 2021	Warranty Deed, Transfer INCOMPASS TITLE LLC, COMPASS TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	Apr 25, 2005 · Amount on Record
Deed Document Number	20217852
Deed Book / Page	3133 / 131
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3207 N ANNAPOLIS AVE, HERNANDO, FL 34442-4718
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	ALL PERFORMANCE TITLE LLC, ALL PERFORMANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6623 STOWE CT, LISLE, IL 60532-3430

Mortgage

Document Number	0031881675
Date	Jul 26, 2021
Book Page	3188/1675
Instrument	2021050919

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 8, 2021
Property Address	3207 N ANNAPOLIS AVE, HERNANDO, FL 34442-4718
Document Number	0031330131
Book / Page	3133 / 131
Map Reference	MB 9 PG 73
Instrument Date	Feb 2, 2021
Instrument	2021007852
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	INCOMPASS TITLE LLC, COMPASS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$203.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2074 N ESSEX AVE, 2074, HERNANDO, FL 34442-5314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6623 STOWE CT, LISLE, IL 60532-3430

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	$8,024.00 (-3.57%) Homeowner's exemption	$565,541 (-3.85%) Land $32,000 Building $533,541	$565,541 (-3.85%) Land $32,000 Building $533,541
2024	$8,321.00 (+2,476.16%) Homeowner's exemption Additional exemption filed	$588,208 (+2,350.87%) Land $26,500 Building $561,708	$588,208 (+2,350.87%) Land $26,500 Building $561,708
2023	$323.00 (+13.33%)	$24,000 (+33.33%) Land $24,000	$24,000 (+33.33%) Land $24,000
2022	$285.00 Additional exemption filed	$18,000 Land $18,000	$18,000 Land $18,000

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 90 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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