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3614 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3614 E Cove Park Trl, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,783 sqft · built 2000
Lot Size0.179 acres (7,796 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (Jan 2025)
Tax Bill$2,623 (2025)
Deeds & MortgagesJul 2026 Sale
Oct 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN19E-18S-14-0140-000E0-0080

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0140-000E0-0080
Alternative APNs
  • 1418S19E0140000E00080
  • 2850540

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,783 sqft Living Area
Gross Area2,429 sqft
1st Floor Area1,783 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2005
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialFiberglass
Lot Area7,796 sqft (0.179 acres)
Lot Dimensions96 ft deep x 73 ft wide
Garage TypeAttached
Garage Area474 sqft
Parking Spaces8 Parking Spaces
PorchFinished/Screened Porch
Porch Area225 sqft
Patio Area55 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2850540
Street Address3614 E COVE PARK TRL
CityHERNANDO
StateFL
Zip34442-5578
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePDR
Legal DescriptionARBOR LAKES UNIT I PB 15 PG 75 LOT 8 BLK E
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockE
Legal Lot Number8
Legal Unit1
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1001
Census Tract450105

Owner

Source: Citrus County records, as of July 30, 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 Record
Mailing Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jul 7, 2026Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 23, 2023Intrafamily Transfer, Transfer
Mar 23, 2022Warranty Deed, Transfer
TRULY TITLE INC
Jan 18, 2022Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
May 1, 2020Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 10, 2025 · Amount on Record
Deed SaleJan 10, 2025 · Amount on Record
Prior SaleMar 23, 2022 · Amount on Record
Deed Document Number20251577
Deed Book / Page3531 / 680
Prior Transfer DateOct 17, 2023
Prior Transfer Doc0034191679
Record UpdatedSep 20, 2026

July 2026: Deed, Transfer

Document TypeDeed
JurisdictionCITRUS FL
Recording DateJul 7, 2026
Property Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number0000039877
Book / Page3686 / 51
Instrument DateJul 6, 2026
Instrument202639877
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateOct 23, 2023
Property Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number0034191679
Book / Page3419 / 1679
Map ReferenceMB 15 PG 75
Instrument DateOct 17, 2023
Instrument2023061452
Transaction TypeTransfer
Record UpdatedNov 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateMar 23, 2022
Property Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number0032660463
Book / Page3266 / 463
Map ReferenceMB 15 PG 75
Instrument DateMar 21, 2022
Instrument2022020636
Transaction TypeTransfer
Record UpdatedApr 14, 2022
Title CompanyTRULY TITLE INC

Transaction

AmountAmount Recorded
Tax$2,065.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8064 W COCONUT PALM DR, 8064, HOMOSASSA, FL 34448-1970

Transferred To (Grantee/Buyer)

NameVerified Name
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
Transaction TypeMortgage
Record UpdatedFeb 9, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

Mortgage

Document Number0032450022
DateJan 18, 2022
Book Page3245/22
Instrument2022003769
Lender
NameSUNCOAST CU
TypeCredit Union
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateMay 1, 2020
Property Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578
Document Number0030570273
Book / Page3057 / 273
Map ReferenceMB 15 PG 75
Instrument DateApr 29, 2020
Instrument2020022603
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11236 116TH ST, 11236, LARGO, FL 33778-3732

Transferred To (Grantee/Buyer)

NameVerified Name
Address3614 E COVE PARK TRL, HERNANDO, FL 34442-5578

Mortgage

Document Number3057275
DateMay 1, 2020
Instrument3057/275
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2050

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,623.00 (-5.14%)$216,111 (-5.34%) Land $10,660 Building $205,451$216,111 (-5.34%) Land $10,660 Building $205,451
2024$2,765.00 (-21.98%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$228,311 (+0.28%) Land $9,920 Building $218,391$228,311 (+0.28%) Land $9,920 Building $218,391
2023$3,544.00 (+91.98%) Additional exemption filed$227,677 (+16.18%) Land $9,920 Building $217,757$227,677 (+16.18%) Land $9,920 Building $217,757
2022$1,846.00 Homeowner's exemption Additional exemption filed$195,965 Land $9,920 Building $186,045$195,965 Land $9,920 Building $186,045

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 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 RiskModerate
above 54% of the US · lower than 74% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemROLLING OAKS SUBDIVISION
public/private · serves 11,572 people · EPA ID FL6090150
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 89 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

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