3532 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3532 E Cove Park Trl, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 2002
Lot Size	0.217 acres (9,441 sqft)
Owner	2 Individual Names on Record
Last Sale	$204,000 (Nov 2021)
Tax Bill	$3,726 (2025)
Deeds & Mortgages	Nov 2021 Sale Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000A0-0010`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000A0-0010`
Alternative APNs	`1418S19E0140000A00010` `2991399`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,816 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,816 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,441 sqft (0.217 acres)
Lot Dimensions	95 ft deep x 98 ft wide
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	429 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2991399
Street Address	3532 E COVE PARK TRL
City	HERNANDO
State	FL
Zip	34442-5579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 1 BLK A
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	A
Legal Lot Number	1
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1001
Census Tract	450105

Owner

Source: Citrus County records, as of March 19, 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	8658 MAYFAIR DR, MC KEAN, PA 16426-1226
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Warranty Deed, Transfer TROPIC TITLE SERVICES
Sep 16, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Nov 23, 2016 · Amount on Record
Deed Document Number	202178824
Deed Book / Page	3225 / 1223
Prior Transfer Date	Aug 25, 2021
Prior Transfer Doc	0032051630
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Nov 15, 2021
Property Address	3532 E COVE PARK TRL, HERNANDO, FL 34442-5579
Document Number	0032251223
Book / Page	3225 / 1223
Map Reference	MB 15 PG 75-79
Instrument Date	Nov 2, 2021
Instrument	2021078824
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$1,428.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71243 DAWN DR, 71243, UNION, MI 49130-9709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22726 COUNTY ROUTE 57, THREE MILE BAY, NY 13693-7231

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 16, 2021
Property Address	3532 E COVE PARK TRL, HERNANDO, FL 34442-5579
Document Number	0032051630
Book / Page	3205 / 1630
Map Reference	MB 15 PG 75-79
Instrument Date	Aug 25, 2021
Instrument	2021063693
Record Updated	Oct 11, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4699 N LAKE VISTA TRL, HERNANDO, FL 34442-5544

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3532 E COVE PARK TRL, HERNANDO, FL 34442-5579
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031320682
Date	Feb 4, 2021
Book Page	3132/682
Instrument	2021007264

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

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	$3,726.00 (-0.53%)	$239,033 (-5.16%) Land $12,280 Building $226,753	$239,033 (-5.16%) Land $12,280 Building $226,753
2024	$3,746.00 (+4.61%)	$252,030 (-0.41%) Land $11,430 Building $240,600	$252,030 (-0.41%) Land $11,430 Building $240,600
2023	$3,581.00 (+14.23%)	$253,076 (+12.34%) Land $11,430 Building $241,646	$253,076 (+12.34%) Land $11,430 Building $241,646
2022	$3,135.00	$225,267 Land $11,430 Building $213,837	$225,267 Land $11,430 Building $213,837

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
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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 470 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

Cell Coverage

5G (outdoors only) and 4G LTE

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