3564 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3564 E Cove Park Trl, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,678 sqft · built 2000
Lot Size	0.171 acres (7,460 sqft)
Owner	Company Name on File
Last Sale	$295,000 (May 2025)
Tax Bill	$3,447 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000E0-003.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000E0-003.0`
Alternative APNs	`1418S19E0140000E00030` `2921382`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,678 sqft Living Area
1st Floor Area	1,678 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	7,460 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 61 ft wide
Garage Area	462 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	1 sqft
Porch	Open Porch
Porch Area	260 sqft
Patio Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2921382
Old Parcel Number	1418S19E0140000E00030
Street Address	3564 E COVE PARK TRL
City	HERNANDO
State	FL
Zip	34442-5578
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	ARBOR LAKES UNIT I PB 15 PG 75 LOT 3 BLK E
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	E
Legal Lot Number	3
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1001
Census Tract	450105

Owner

Source: Citrus County assessment roll, as of July 1, 2025

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

Owner of Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3564 E COVE PARK TRL, HERNANDO, FL 34442-5578
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Warranty Deed, Transfer EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 21, 2025 · Amount on Record
Deed Sale	May 21, 2025 · Amount on Record
Prior Sale	Feb 15, 2024 · Amount on Record
Deed Document Number	2025030941
Deed Book / Page	3568 / 1054
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 15, 2024
Property Address	3564 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number	0034450778
Book / Page	3445 / 778
Map Reference	MB 15 PG 75-79
Instrument Date	Jan 31, 2024
Instrument	2024008628
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount Recorded
Tax	$2,152.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3564 E COVE PARK TRL, HERNANDO, FL 34442-5578

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3589 E COVE PARK TRL, HERNANDO, FL 34442-5519

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3564 E COVE PARK TRL, HERNANDO, FL 34442-5578
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3564 E COVE PARK TRL, HERNANDO, FL 34442-5578

Mortgage

Document Number	0031870960
Date	Jul 22, 2021
Book Page	3187/960
Instrument	2021050111

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 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	$3,447.00 (+180.47%) Additional exemption filed	$220,249 (+2.56%) Land $10,660 Building $209,589	$220,249 (+2.56%) Land $10,660 Building $209,589
2024	$1,229.00 (+3.19%) Homeowner's exemption Additional exemption filed	$214,743 (-0.45%) Land $9,930 Building $204,813	$214,743 (-0.45%) Land $9,930 Building $204,813
2023	$1,191.00 (+7.01%) Homeowner's exemption Additional exemption filed	$215,721 (+12.06%) Land $9,930 Building $205,791	$215,721 (+12.06%) Land $9,930 Building $205,791
2022	$1,113.00 Homeowner's exemption Additional exemption filed	$192,498 Land $9,930 Building $182,568	$192,498 Land $9,930 Building $182,568

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 at the parcel

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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