3626 N Annapolis Ave, Hernando, FL 34442 Property Records

Citrus County property record for 3626 N Annapolis Ave, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,563 sqft · built 1999
Lot Size	1.04 acres (45,667 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Mar 2025)
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Aug 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000B0-007.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000B0-007.0`
Alternative APNs	`1718S19E0010000B00070` `2355522`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,563 sqft Living Area
1st Floor Area	2,574 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	45,667 sqft (1.04 acres)
Garage Area	529 sqft
Parking Spaces	8 Parking Spaces
Porch	Open Porch
Porch Area	479 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2355522
Old Parcel Number	1718S19E0010000B00070
Street Address	3626 N ANNAPOLIS AVE
City	HERNANDO
State	FL
Zip	34442-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 7 BLK B
Legal Range	19E
Legal Township	18S
Legal Section	18
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	B
Legal Lot Number	7
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2027
Census Tract	450104

Owner

Source: Citrus County records, as of December 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3626 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Reverse Mortgage CHRISTENSEN FINANCIAL INC
Aug 26, 2022	Deed of Trust, Mortgage · Reverse Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Prior Sale	Jun 15, 2005 · Amount on Record
Deed Document Number	0003552274
Deed Book / Page	3552 / 274
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3626 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715
Transaction Type	Mortgage
Record Updated	Sep 19, 2022
Title Company	LEGACY TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715

Mortgage

Document Number	0033150072
Date	Aug 26, 2022
Book Page	3315/72
Instrument	2022060452

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	700 Months
Due	Dec 2, 2080

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.6%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3626 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715
Transaction Type	Mortgage
Record Updated	Sep 19, 2022
Title Company	LEGACY TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3626 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715

Mortgage

Document Number	0033150054
Date	Aug 26, 2022
Book Page	3315/54
Instrument	2022060451

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	700 Months
Due	Dec 2, 2080

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.6%

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	$5,724.00 (+139.3%) Additional exemption filed	$369,003 (-0.08%) Land $33,500 Building $335,503	$369,003 (-0.08%) Land $33,500 Building $335,503
2024	$2,392.00 (+2.57%) Homeowner's exemption Additional exemption filed	$369,304 (+2.74%) Land $33,500 Building $335,804	$369,304 (+2.74%) Land $33,500 Building $335,804
2023	$2,332.00 (+6.73%) Homeowner's exemption Additional exemption filed	$359,443 (+11.99%) Land $31,500 Building $327,943	$359,443 (+11.99%) Land $31,500 Building $327,943
2022	$2,185.00 Homeowner's exemption Additional exemption filed	$320,950 Land $21,500 Building $299,450	$320,950 Land $21,500 Building $299,450

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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