3578 E Bernice St, Inverness, FL 34453 Property Records

Citrus County property record for 3578 E Bernice St, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 1987
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$182,900 (Sep 2020)
Tax Bill	$27 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0090-01520-0330`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0090-01520-0330`
Alternative APNs	`0219S19E0090015200330` `2458160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	1,996 sqft
1st Floor Area	1,515 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	481 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Finished/Open Porch
Porch Area	224 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2458160
Street Address	3578 E BERNICE ST
City	INVERNESS
State	FL
Zip	34453-0730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS UNIT 9 LOTS 33 34 35 & 36 BLK 152 DESC IN OR BK 673 PG 2135
Legal Range	19E
Legal Township	19S
Legal Section	11
Legal Subdivision	INVERNESS HIGHLANDS UNIT 9
Legal Block	152
Legal Lot Number	33
Legal Unit	9
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1082
Census Tract	450706

Owner

Source: Citrus County records, as of December 3, 2025

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	3578 E BERNICE ST, INVERNESS, FL 34453-0730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 24, 2020	Warranty Deed, Transfer · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Jul 1, 1985 · Amount on Record
Deed Document Number	202050920
Deed Book / Page	3094 / 294
Last Transfer Date	Sep 29, 2020
Transfer Doc	0030960662
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3578 E BERNICE ST, INVERNESS, FL 34453-0730
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3578 E BERNICE ST EET, INVERNESS, FL 34453-0730

Mortgage

Document Number	0031950600
Date	Aug 12, 2021
Book Page	3195/600
Instrument	2021055784

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 1, 2020
Property Address	3578 E BERNICE ST, INVERNESS, FL 34453-0730
Document Number	0030960662
Book / Page	003096 / 000662
Instrument Date	Sep 29, 2020
Instrument	52496
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3578 E BERNICE ST INVERNESS FL 344530730, INVERNESS, FL 34453-0730

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 24, 2020
Property Address	3578 E BERNICE ST, INVERNESS, FL 34453-0730
Document Number	0030940294
Book / Page	3094 / 294
Map Reference	MB 2 PG 175-177
Instrument Date	Aug 31, 2020
Instrument	2020050920
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	940 MISTY ACRES DR, 940, NEW BRAUNFELS, TX 78130-3730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3578 E BERNICE ST, INVERNESS, FL 34453-0730

Mortgage

Document Number	3094296
Date	Sep 24, 2020
Instrument	3094/296

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$27.00 (-98.2%) Veteran's exemption	$139,770 (-24.63%)	$183,773 (-0.9%) Land $8,560 Building $175,213
2024	$1,497.00 (+3.1%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$185,443 (+2.53%) Land $7,440 Building $178,003	$185,443 (+2.53%) Land $7,440 Building $178,003
2023	$1,452.00 (+7.08%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$180,871 (+15.63%) Land $6,800 Building $174,071	$180,871 (+15.63%) Land $6,800 Building $174,071
2022	$1,356.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$156,417 Land $4,400 Building $152,017	$156,417 Land $4,400 Building $152,017

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% 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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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