3640 N Chandler Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3640 N Chandler Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 2020
Lot Size	0.276 acres (12,064 sqft)
Owner	Trust Name on File
Last Sale	$25,000 (Apr 2020)
Tax Bill	$1,749 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-22-0020-000I0-051.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-22-0020-000I0-051.0`
Alternative APNs	`2218S19E0020000I00510` `3284648`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	12,064 sqft (0.276 acres)
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3284648
Old Parcel Number	2218S19E0020000I00510
Street Address	3640 N CHANDLER DR
City	HERNANDO
State	FL
Zip	34442-3758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	CANTERBURY LAKE ESTATES SECOND ADDN PB 16 PG 80 LOT 51 BLK I
Legal Range	19E
Legal Township	18S
Legal Section	22
Legal Subdivision	CANTERBURY LAKE ESTATES SECOND
Legal Block	1
Legal Lot Number	51
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1025
Census Tract	450104

Owner

3640 N Chandler Dr is owner-occupied and held in a trust since September 2025.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	3640 N CHANDLER DR, HERNANDO, FL 34442-3758
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 14, 2020	Warranty Deed, Transfer · Construction Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	Apr 14, 2020 · Amount on File
Deed Document Number	0030531222
Deed Book / Page	3053 / 1222
Last Transfer Date	Sep 25, 2025
Transfer Doc	0036042426
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Sep 25, 2025
Property Address	3640 N CHANDLER DR, HERNANDO, FL 34442-3758
Document Number	0036042426
Book / Page	3604 / 2426
Map Reference	MB 16 PG 80-86
Instrument Date	Sep 17, 2025
Instrument	2025058241
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3640 N CHANDLER DR, HERNANDO, FL 34442-3758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3640 N CHANDLER DR, HERNANDO, FL 34442-3758
Investor	Possibly a Property Investor

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 14, 2020
Property Address	3640 N CHANDLER DR, HERNANDO, FL 34442-3758
Document Number	0030531222
Book / Page	3053 / 1222
Map Reference	MB 16 PG 80-86
Instrument Date	Apr 10, 2020
Instrument	2020019667
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	MANATEE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2476 N ESSEX AVE, 2476, HERNANDO, FL 34442-5321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11870 OSPREY AVE, WEEKI WACHEE, FL 34614-3248

Mortgage

Document Number	0030531224
Date	Apr 14, 2020
Book Page	3053/1224
Instrument	2020019669

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3640 N Chandler Dr was $1,749 with exemptions applied, up 1.7% from the year before.

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	$1,749.00 (+1.69%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$251,894 (-3.13%) Land $12,800 Building $239,094	$251,894 (-3.13%) Land $12,800 Building $239,094
2024	$1,720.00 (+2.87%) Homeowner's exemption Additional exemption filed	$260,033 (-1.38%) Land $9,500 Building $250,533	$260,033 (-1.38%) Land $9,500 Building $250,533
2023	$1,672.00 (+7.04%) Homeowner's exemption Additional exemption filed	$263,668 (+19.28%) Land $13,400 Building $250,268	$263,668 (+19.28%) Land $13,400 Building $250,268
2022	$1,562.00 Homeowner's exemption Additional exemption filed	$221,053 Land $9,500 Building $211,553	$221,053 Land $9,500 Building $211,553

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3640 N Chandler Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3640 N Chandler Dr is moderate, ranking above 61% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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