Citrus County property record for 3540 E Lou Ln, Inverness, FL 34453
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 936 sqft · built 1977 |
| Lot Size | 0.22 acres (9,566 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Jan 2003) |
| Tax Bill | $243 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-19S-02-0090-01590-0140 |
| Primary APN | 19E-19S-02-0090-01590-0140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 1,248 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 9,566 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1662575 |
|---|---|
| Street Address | 3540 E LOU LN |
| City | INVERNESS |
| State | FL |
| Zip | 34453-0657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | INVERNESS HGLDS UNIT 9 LOTS 14 15 16 & 17 BLK 159 |
| Legal Range | 19E |
| Legal Township | 19S |
| Legal Section | 11 |
| Legal Subdivision | INVERNESS HIGHLANDS UNIT 9 |
| Legal Block | 159 |
| Legal Lot Number | 14 |
| Legal Unit | 9 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 450706 |
3540 E Lou Ln is owned and occupied by two individuals who acquired it in February 2024.
Source: Citrus County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 5, 2024 | Intrafamily Transfer, Transfer |
| Feb 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jan 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 2003 · Amount on File |
| Deed Sale | Jan 1, 2003 · Amount on File |
| Prior Sale | Apr 1, 1989 · Amount on File |
| Deed Book / Page | 1569 / 1460 |
| Last Transfer Date | Feb 2, 2024 |
| Transfer Doc | 0034421461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Feb 5, 2024 |
| Property Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Document Number | 0034421461 |
| Book / Page | 3442 / 1461 |
| Map Reference | MB 812 PG 1597 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 2024006335 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Name | Verified Name |
|---|---|
| Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Document Number | 0031362013 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 3136/2013 |
| Instrument | 2021010803 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3540 E LOU LN, INVERNESS, FL 34453-0657 |
| Document Number | 0029520348 |
| Instrument Date | Jan 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3540 E LOU LN INVERNESS FL 344530657, INVERNESS, FL 34453-0657 |
| Document Number | 0029520348 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 002952/000348 |
| Instrument | 3371 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2049 |
The 2025 property tax bill for 3540 E Lou Ln was $243, up 32.1% from the year before.
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $243.00 (+32.07%) | $32,206 (-68.7%) | $102,285 (-0.6%) Land $6,420 Building $95,865 |
| 2024 | $184.00 (+8.24%) Homeowner's exemption Additional exemption filed | $102,905 (+1.15%) Land $5,580 Building $97,325 | $102,905 (+1.15%) Land $5,580 Building $97,325 |
| 2023 | $170.00 (-23.42%) Homeowner's exemption Additional exemption filed | $101,734 (+30.56%) Land $5,100 Building $96,634 | $101,734 (+30.56%) Land $5,100 Building $96,634 |
| 2022 | $222.00 Homeowner's exemption Additional exemption filed | $77,921 Land $3,300 Building $74,621 | $77,921 Land $3,300 Building $74,621 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3540 E Lou Ln in Zone X, an area of minimal flood risk.
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 File median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 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 risk around 3540 E Lou Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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