34320 Arbor St, Dade City, FL 33523 Property Records

Hernando County property record for 34320 Arbor St, Dade City, FL 33523

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,500 sqft · built 1993
Lot Size	1.15 acres (50,325 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Apr 2019)
Tax Bill	$1,155 (2025)
Deeds & Mortgages	May 2019 Mortgage Nov 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R36-122-21-0870-0980-0030`

Property Details

APN / Parcel Number

Primary APN	`R36-122-21-0870-0980-0030`
Alternative APNs	`00828572` `828572`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,500 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,325 sqft (1.15 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	140 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00828572
Street Address	34320 ARBOR ST
City	DADE CITY
State	FL
Zip	33523-9300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE MANOR EST UNIT 2 BLK 98 LOT 3
Legal Range	21E
Legal Township	22S
Legal Section	36
Legal Subdivision	RIDGE MNR EST UN 2
Legal Block	98
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	RIDGE MANOR
Census Block Group	2
Census Block	2001
Census Tract	40101

Owner

Source: Hernando County records, as of December 8, 2025

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	34320 ARBOR ST, DADE CITY, FL 33523-9300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Nov 27, 2020	Loan Modification, Mortgage · Conventional Mortgage TRUIST BK
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Oct 20, 2003 · Amount on Record
Deed Document Number	201925966
Deed Book / Page	3697 / 596
Prior Transfer Date	Feb 26, 2019
Prior Transfer Doc	0036970596
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	34320 ARBOR ST, DADE CITY, FL 33523-9300
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037020984
Date	May 13, 2019
Book Page	3702/0984
Instrument	2019028935

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	34320 ARBOR ST, DADE CITY, FL 33523-9300
Document Number	0039201827
Instrument Date	Nov 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	34320 ARBOR ST RIDGE MANOR FL 335239300, RIDGE MANOR, FL 33523-9300

Mortgage

Document Number	0039201827
Date	Dec 4, 2020
Book Page	003920/001827
Instrument	76171

Lender

Name	TRUIST BK
Address	7455 CHANCELLOR DR, ORLANDO, FL 32809-6213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 29, 2019
Property Address	34320 ARBOR ST, DADE CITY, FL 33523-9300
Document Number	0036970596
Book / Page	3697 / 0596
Map Reference	MB 10 PG 2
Instrument Date	Feb 26, 2019
Instrument	2019025966
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	AMERICAN HOME TTL OF LAND O

Transaction

Amount	Amount Recorded
Tax	$350.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34320 ARBOR ST, 34320, DADE CITY, FL 33523-9300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34320 ARBOR ST, DADE CITY, FL 33523-9300

Mortgage

Document Number	0003697598
Date	Apr 29, 2019
Instrument	3697/598

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,155.00 (+74.47%) Homeowner's exemption	$88,144 (+5.99%)	$222,991 (+0.91%) Land $32,711 Building $190,280
2023		$83,165 Land $83,165
2022	$662.00		$220,990 Land $25,163 Building $195,827

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 April 19, 2026 · 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 117 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	117 in force
Nearby Flood Claims	19 (1979–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Frances, Sep 2004 · 5 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 6 claims

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	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on Arbor St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures