3548 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3548 E Cove Park Trl, Hernando, FL 34442 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 2001
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Apr 2026)
Tax Bill	$3,207 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000E0-0010`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000E0-0010`
Alternative APNs	`1418S19E0140000E00010` `2963468`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,704 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	95 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	6 Parking Spaces
Porch	Screened Aluminum Porch
Porch Area	244 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2963468
Street Address	3548 E COVE PARK TRL
City	HERNANDO
State	FL
Zip	34442-5578
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT I PB 15 PG 75 LOT 1 BLK E
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	E
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 · APN 19E-18S-14-0140-000E0-0010

Assessment roll updated December 3, 2025 · Last verified July 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 File
Mailing Address	3548 E COVE PARK TRL, HERNANDO, FL 34442-5578
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Mar 31, 2005 · Amount on Record
Deed Document Number	202623531
Deed Book / Page	3663 / 326
Prior Transfer Date	Aug 09, 1999
Prior Transfer Doc	0001240516
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 23, 2026
Property Address	3548 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number	0000023531
Book / Page	3663 / 326
Instrument Date	Apr 20, 2026
Instrument	2026.23531
Transaction Type	Transfer
Record Updated	May 06, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$148,470.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3548 E COVE PARK TRL, HERNANDO, FL 34442-5578
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023532,
Date	Apr 23, 2026
Instrument	2026..23532

Lender

Name	METROPOLE MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified July 2026

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	$3,207.00 (-1.47%)	$204,073 (-2.99%) Land $11,060 Building $193,013	$204,073 (-2.99%) Land $11,060 Building $193,013
2024	$3,255.00 (+177.49%)	$210,366 (-1.86%) Land $10,300 Building $200,066	$210,366 (-1.86%) Land $10,300 Building $200,066
2023	$1,173.00 (+7.03%) Homeowner's exemption Additional exemption filed	$214,354 (+13.56%) Land $10,300 Building $204,054	$214,354 (+13.56%) Land $10,300 Building $204,054
2022	$1,096.00 Homeowner's exemption Additional exemption filed	$188,758 Land $10,300 Building $178,458	$188,758 Land $10,300 Building $178,458

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174501051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 18% of Florida
Wildfire Likelihood	About 1 in 1,282 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 470 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.