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3589 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3589 E Cove Park Trl, Hernando, FL 34442 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,002 sqft · built 2000
Lot Size0.181 acres (7,897 sqft)
Owner2 Individual Names on File
Last Sale$340,000 (Apr 2026)
Tax Bill$4,084 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Apr 2026 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APN19E-18S-14-0140-000D0-0260

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0140-000D0-0260
Alternative APNs
  • 1418S19E0140000D00260
  • 2893834

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,002 sqft Living Area
Gross Area2,572 sqft
1st Floor Area2,002 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2005
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialFiberglass
Lot Area7,897 sqft (0.181 acres)
Lot Dimensions110 ft deep x 72 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

Pool Area198 sqft
PorchScreened Aluminum Porch
Porch Area302 sqft
Patio Area108 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2893834
Street Address3589 E COVE PARK TRL
CityHERNANDO
StateFL
Zip34442-5519
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionARBOR LAKES UNIT 1 PB 15 PG 75 -LOT 26 BLK D
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockD
Legal Lot Number26
Legal Unit1
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1032
Census Tract450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000D0-0260

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 Record2 Individual Names on File
Mailing Address116 RIVERMIST DR, FULTON, NY 13069-4955
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Warranty Deed, Transfer · Conventional Mortgage
EMPOWER FEDERAL CREDIT UNION
Apr 10, 2026Warranty Deed, Transfer
AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES
Dec 16, 2021Warranty Deed, Transfer
WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY
Dec 30, 2019Warranty Deed, Transfer · VA Mortgage
NATIONS RELIABLE LNDG
Jan 25, 2019Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS
Jun 20, 2018Warranty Deed, Transfer · VA Mortgage
VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2026 · Amount on Record
Deed SaleApr 30, 2026 · Amount on Record
Prior SaleApr 10, 2026 · Amount on Record
Deed Document Number202625286
Deed Book / Page3665 / 1322
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 30, 2026
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0036651322
Book / Page3665 / 1322
Instrument DateApr 30, 2026
Instrument202625286
Transaction TypeTransfer
Record UpdatedJul 06, 2026
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$240,380.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address116 RIVERMIST DR, FULTON, NY 13069-4955

Mortgage

Document Number0000025287,
DateApr 30, 2026
Instrument202625287
Lender
NameEMPOWER FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.22%
Initial TypeFixed Rate
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 10, 2026
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0000020547
Book / Page3659 / 76
Instrument DateApr 10, 2026
Instrument202620547
Transaction TypeTransfer
Record UpdatedApr 22, 2026
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
Tax$360,570.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address5204 N TUMBLEWOOD DR, CRYSTAL RIVER, FL 34428-9429

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateDec 16, 2021
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0032351208
Book / Page3235 / 1208
Map ReferenceMB 15 PG 75-79
Instrument DateDec 13, 2021
Instrument2021086482
Transaction TypeTransfer
Record UpdatedMay 14, 2026
Title CompanyWOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transaction

AmountAmount Recorded
Tax$2,275.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519

Transferred To (Grantee/Buyer)

NameVerified Name
Address629 E CHARLESTON CT, HERNANDO, FL 34442-9309

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateDec 30, 2019
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0030272314
Book / Page003027 / 002314
Instrument DateDec 10, 2019
Instrument67415
Transaction TypeTransfer
Record UpdatedJan 23, 2020
Title CompanyCOMPASS LAND AND TITLE, COMPASS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,589.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3589 E COVE PARK TRL HERNANDO FL 344425519, HERNANDO, FL 34442-5519

Mortgage

Document Number30272315
DateDec 30, 2019
Book Page003027/002315
Instrument67416
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77027
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 29, 2049

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJan 25, 2019
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0029521243
Book / Page002952 / 001243
Instrument DateJan 16, 2019
Instrument3739
Transaction TypeTransfer
Record UpdatedFeb 13, 2019
Title CompanyAMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,582.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3589 E COVE PARK TRL HERNANDO FL 344425519, HERNANDO, FL 34442-5519

Mortgage

Document Number29521244
DateJan 25, 2019
Book Page002952/001244
Instrument3740
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 24, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJun 20, 2018
Property Address3589 E COVE PARK TRL, HERNANDO, FL 34442-5519
Document Number0029081752
Book / Page002908 / 001752
Instrument DateJun 18, 2018
Instrument31300
Transaction TypeTransfer
Record UpdatedJul 20, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,589.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3589 E COVE PARK TRL HERNANDO FL 344425519, HERNANDO, FL 34442-5519

Mortgage

Document Number29081753
DateJun 20, 2018
Book Page002908/001753
Instrument31301
Lender
NameVETERANS UNITED HM LNS
TypeFunding / Finance Company
AddressCOLUMBIA, MO 65203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 19, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,084.00 (-4.27%)$263,169 (-5.53%) Land $10,970 Building $252,199$263,169 (-5.53%) Land $10,970 Building $252,199
2024$4,266.00 (-0.86%)$278,561 (-0.37%) Land $10,220 Building $268,341$278,561 (-0.37%) Land $10,220 Building $268,341
2023$4,303.00 (+13.96%)$279,608 (+10.78%) Land $10,220 Building $269,388$279,608 (+10.78%) Land $10,220 Building $269,388
2022$3,776.00 Additional exemption filed$252,390 Land $10,220 Building $242,170$252,390 Land $10,220 Building $242,170

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskModerate
above 47% of the US · above 18% of Florida
Wildfire LikelihoodAbout 1 in 1,282 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
SpectrumCable1,000 / 1,000

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

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