3521 E Ruby Ln, Hernando, FL 34442 Property Records

Citrus County property record for 3521 E Ruby Ln, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	1,717 sqft Living Area
Lot Size	13,717 sqft (0.314 acres)
Occupancy	Owner Occupied
Last Sale	$85,000 (2003)
Tax Bill	$1,231.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-11-0010-000A0-006.0

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	3521 E RUBY LN, HERNANDO, FL 34442-3959
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 14, 2003 · Amount on Record
Deed Sale	Jan 14, 2003 · Amount on Record
Prior Sale	Jan 14, 2003
Deed Doc Number	2003002127
Deed Book / Page	1564 / 2228
Record Refreshed	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3521 E RUBY LN, HERNANDO, FL 34442-3959
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 E RUBY LN, HERNANDO, FL 34442-3959

Mortgage

Document Number	0033470060
Date	Jan 09, 2023
Book Page	3347/60
Instrument	2023001228

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	475 Months
Due	Aug 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,231.00 (+7.42%) Homeowner's exemption Additional exemption filed	$259,205 (+2.76%) Land $8,020 Building $251,185	$259,205 (+2.76%) Land $8,020 Building $251,185
2024	$1,146.00 (+3.24%) Homeowner's exemption Additional exemption filed	$252,244 (+7.36%) Land $6,400 Building $245,844	$252,244 (+7.36%) Land $6,400 Building $245,844
2023	$1,110.00 (+61.57%) Homeowner's exemption Additional exemption filed	$234,958 (+29.47%) Land $6,400 Building $228,558	$234,958 (+29.47%) Land $6,400 Building $228,558
2022	$687.00 Homeowner's exemption Additional exemption filed	$181,472 Land $3,720 Building $177,752	$181,472 Land $3,720 Building $177,752

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 719 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-11-0010-000A0-006.0`
Alternative APNs	`1118S19E0010000A00060` `1590981`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,717 sqft Living Area
1st Floor	1,717 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Hip Roof Construction
Roof Material	Fiberglass Roof
Lot Area	13,717 sqft (0.314 acres)
Depth X Width	138 ft x 100 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Area	484 sqft Garage
Pool Area	312 sqft Pool
Porch	Open Porch
Porch Area	238 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	1590981
Old Parcel Number	1118S19E0010000A00060
Street Address	3521 E RUBY LN
City	HERNANDO
State	FL
Zip	34442-3959
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WILLOLA HGTS UNIT 1 PB 3 PG 14 LOT 6 BLK A ---&--- TOG W/ AN EASE OVER THE ACROSS THE LT 4 BLK F WILLOLA HEIGHTS UN NO ONE
Legal Range	19E
Legal Township	18S
Legal Section	11
Legal Subdivision	WILLOLA HEIGHTS UNIT 1
Legal Block	A,F
Legal Lot Number	4,6
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1001
Census Tract	450105