3622 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3622 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2009
Square Footage	1,599 sqft Living Area
Lot Size	7,920 sqft (0.182 acres)
Occupancy	Owner Occupied
Last Sale	$257,500 (2026)
Tax Bill	$1,052.00 (2024)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000D0-0050

Assessment roll updated December 3, 2025 · Last verified May 2026

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

Owner of Record	Individual Name on File
Mailing Address	3622 E ARBOR LAKES DR, HERNANDO, FL 34442-5505
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Aug 22, 2000 · Amount on Record
Deed Doc Number	202625294
Deed Book / Page	3665 / 1361
Record Refreshed	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 30, 2026
Property Address	3622 E ARBOR LAKES DR, HERNANDO, FL 34442-5505
Document Number	0036651361
Book / Page	3665 / 1361
Instrument Date	Apr 28, 2026
Instrument	2026.25294
Transaction Type	Transfer
Record Updated	May 15, 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	$182,052.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3622 E ARBOR LAKES DR, HERNANDO, FL 34442-5505

Mortgage

Document Number	0000025295,
Date	Apr 30, 2026
Instrument	2026..25295

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified May 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,138.00 (+8.17%) Homeowner's exemption Widower's exemption	$110,975 (-46.97%)	$212,357 (+1.47%) Land $10,970 Building $201,387
2024	$1,052.00 (+3.65%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$209,278 (-2.87%) Land $10,220 Building $199,058	$209,278 (-2.87%) Land $10,220 Building $199,058
2023	$1,015.00 (+0.4%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$215,466 (+13.68%) Land $10,220 Building $205,246	$215,466 (+13.68%) Land $10,220 Building $205,246
2022	$1,011.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$189,535 Land $10,220 Building $179,315	$189,535 Land $10,220 Building $179,315

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000D0-0050`
Alternative APNs	`1418S19E0140000D00050` `2868015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,599 sqft Living Area
Gross Area	2,208 sqft Gross Area
1st Floor	1,599 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2009
Exterior Material	Combination Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Hip Roof Construction
Roof Material	Fiberglass Roof
Lot Area	7,920 sqft (0.182 acres)
Depth X Width	110 ft x 72 ft Depth x Width
Parking Spaces	6 Parking Spaces
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Patio Area	133 sqft Patio
Porch	Enclosed Porch
Porch Area	220 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	2868015
Street Address	3622 E ARBOR LAKES DR
City	HERNANDO
State	FL
Zip	34442-5505
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 5 BLK D
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	D
Legal Lot Number	5
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1032
Census Tract	450105