3541 E Cindy Ln, #60, Inverness, FL 34453 Property Records

Citrus County property record for 3541 E Cindy Ln, #60, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 2007
Lot Size	0.221 acres (9,615 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Jun 2018)
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0090-01610-0600`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0090-01610-0600`
Alternative APNs	`0219S19E0090016100600` `3389919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,340 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	1,340 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,615 sqft (0.221 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	24 sqft
Patio Area	200 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3389919
Street Address	3541 E CINDY LN, 60
City	INVERNESS
State	FL
Zip	34453-0747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS UNIT 9 PB 2 PG 175 LOTS 60 61 62 & 63 BLK 161
Legal Range	19E
Legal Township	19S
Legal Section	11
Legal Subdivision	INVERNESS HIGHLANDS UNIT 9
Legal Block	161
Legal Lot Number	60
Legal Unit	9
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1116
Census Tract	450706

Owner

3541 E Cindy Ln, #60 is owned and occupied by an individual who bought it in June 2018.

Source: Citrus County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 18, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 15, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2019	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Jun 20, 2018	Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	Jun 5, 2013 · Amount on File
Deed Document Number	201831292
Deed Book / Page	2908 / 1722
Prior Transfer Date	May 15, 2014
Prior Transfer Doc	0026250429
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 E CINDY LN, INVERNESS, FL 34453-0747

Mortgage

Document Number	0036020143
Date	Sep 15, 2025
Book Page	3602/143
Instrument	2025055954

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	285 Months
Due	Jun 1, 2049

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Transaction Type	Mortgage
Record Updated	Jun 8, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 E CINDY LN, INVERNESS, FL 34453-0747

Mortgage

Document Number	0033811982
Date	May 25, 2023
Book Page	3381/1982
Instrument	2023030541

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jun 1, 2049

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 E CINDY LN, INVERNESS, FL 34453-0747

Mortgage

Document Number	0032850118
Date	May 18, 2022
Book Page	3285/118
Instrument	2022035784

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 E CINDY LN, INVERNESS, FL 34453-0747

Mortgage

Document Number	0031170502
Date	Dec 15, 2020
Book Page	3117/502
Instrument	2020068478

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jun 1, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Document Number	0029831436
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 E CINDY LN INVERNESS FL 344530747, INVERNESS, FL 34453-0747

Mortgage

Document Number	0029831436
Date	Jun 14, 2019
Book Page	002983/001436
Instrument	30936

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 20, 2018
Property Address	3541 E CINDY LN, INVERNESS, FL 34453-0747
Document Number	0029081722
Book / Page	2908 / 1722
Map Reference	MB02 PG175
Instrument Date	Jun 14, 2018
Instrument	2018031292
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	NORTH CENTRAL FLORIDA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	3541 E CINDY LN, INVERNESS, FL 34453-0747

Mortgage

Document Number	2018031293
Date	Jun 20, 2018
Instrument	2018031293

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3541 E Cindy Ln, #60 was $1,371 with a homeowner's exemption, up 6.9% from the year before.

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	$1,371.00 (+6.94%) Homeowner's exemption	$119,723 (-36.46%)	$182,743 (-3.01%) Land $8,560 Building $174,183
2024	$1,282.00 (+5.86%) Homeowner's exemption Additional exemption filed	$188,408 (+0.19%) Land $7,440 Building $180,968	$188,408 (+0.19%) Land $7,440 Building $180,968
2023	$1,211.00 (+6.88%) Homeowner's exemption Additional exemption filed	$188,056 (+17.42%) Land $6,800 Building $181,256	$188,056 (+17.42%) Land $6,800 Building $181,256
2022	$1,133.00 Homeowner's exemption Additional exemption filed	$160,157 Land $4,400 Building $155,757	$160,157 Land $4,400 Building $155,757

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

Flood

FEMA maps place 3541 E Cindy Ln, #60 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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

Wildfire risk around 3541 E Cindy Ln, #60 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

3541 E Cindy Ln, #60, Inverness, FL 34453 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on E Cindy Ln

Nearby Streets

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