3456 N Chandler Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3456 N Chandler Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,446 sqft · built 2007
Lot Size	0.247 acres (10,745 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jan 2021)
Tax Bill	$12,459 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-22-0020-000I0-0330`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-22-0020-000I0-0330`
Alternative APNs	`2218S19E0020000I00330` `3201078`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,446 sqft Living Area
Gross Area	3,421 sqft
1st Floor Area	2,446 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	10,745 sqft (0.247 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	603 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	414 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3201078
Street Address	3456 N CHANDLER DR
City	HERNANDO
State	FL
Zip	34442-3754
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 33 BLK I
Legal Range	19E
Legal Township	18S
Legal Section	22
Legal Subdivision	CANTERBURY LAKE ESTATES SECOND
Legal Block	I
Legal Lot Number	33
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1025
Census Tract	450104

Owner

Source: Citrus County records, as of March 30, 2026

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
Mailing Address	3456 N CHANDLER DR, HERNANDO, FL 34442-3754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Feb 28, 2019	Warranty Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2021 · Amount on Record
Deed Sale	Jan 25, 2021 · Amount on Record
Prior Sale	Jan 25, 2021 · Amount on Record
Deed Document Number	20214685
Deed Book / Page	3128 / 2043
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 25, 2021
Property Address	3456 N CHANDLER DR, HERNANDO, FL 34442-3754
Document Number	0031282043
Book / Page	3128 / 2043
Map Reference	MB 16 PG 80-86
Instrument Date	Jan 20, 2021
Instrument	2021004685
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	MANATEE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3456 N CHANDLER DR, 3456, HERNANDO, FL 34442-3754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 N INDIANAPOLIS AVE, HERNANDO, FL 34442-4818

Mortgage

Document Number	31282044
Date	Jan 25, 2021
Instrument	3128/2044

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 28, 2019
Property Address	3456 N CHANDLER DR, HERNANDO, FL 34442-3754
Document Number	0029590333
Book / Page	2959 / 0333
Map Reference	MB 16 PG 80-86
Instrument Date	Feb 28, 2019
Instrument	2019010000
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3456 N CHANDLER DR, HERNANDO, FL 34442-3754

Mortgage

Document Number	2019010001
Date	Feb 28, 2019
Instrument	2019010001

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$12,459.00 (+169.97%) Homeowner's exemption	$351,596 (-11.66%)	$372,552 (-6.39%) Land $13,900 Building $358,652
2024	$4,615.00 (+2.33%) Homeowner's exemption Additional exemption filed	$397,981 (+6.38%) Land $13,900 Building $384,081	$397,981 (+6.38%) Land $13,900 Building $384,081
2023	$4,510.00 (+6.92%) Homeowner's exemption Additional exemption filed	$374,130 (+16.16%) Land $13,900 Building $360,230	$374,130 (+16.16%) Land $13,900 Building $360,230
2022	$4,218.00 Homeowner's exemption Additional exemption filed	$322,073 Land $10,100 Building $311,973	$322,073 Land $10,100 Building $311,973

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
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	Moderate above 60% of the US · lower than 66% 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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