3644 E Lake Todd Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3644 E Lake Todd Dr, Hernando, FL 34442 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2008
Square Footage	1,148 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Garage	Attached, 336 sqft
Last Sale	$226,000 (2024)
Tax Bill	$1,652.00 (2024)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000C0-0070

Assessment roll updated December 3, 2025 · Last verified June 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	644 E LAKE TODD DR, HERNANDO, FL 34442
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Married Man as his Sole and Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 05, 2024 · Amount on Record
Deed Sale	Apr 05, 2024 · Amount on Record
Prior Sale	Nov 20, 2013 · Amount on Record
Deed Doc Number	202419474
Deed Book / Page	3457 / 1850
Record Refreshed	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 05, 2024
Property Address	3644 E LAKE TODD DR, HERNANDO, FL 34442-5550
Document Number	0034571850
Book / Page	3457 / 1850
Map Reference	MB 15 PG 75-79
Instrument Date	Mar 28, 2024
Instrument	2024019474
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3644 E LAKE TODD DR, HERNANDO, FL 34442-5550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 E LAKE TODD DRIVE, HERNANDO, FL 34442

Mortgage

Document Number	0034571852
Date	Apr 05, 2024
Instrument	3457/1852

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified June 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,594.00 (+57.02%)	$162,746 (+11.56%) Land $10,560 Building $152,186	$162,746 (+11.56%) Land $10,560 Building $152,186
2024	$1,652.00 (+2.86%) Homeowner's exemption Additional exemption filed	$145,876 (-4.76%) Land $9,830 Building $136,046	$145,876 (-4.76%) Land $9,830 Building $136,046
2023	$1,606.00 (+7.07%) Homeowner's exemption Additional exemption filed	$153,165 (+13.39%) Land $9,830 Building $143,335	$153,165 (+13.39%) Land $9,830 Building $143,335
2022	$1,500.00 Homeowner's exemption Additional exemption filed	$135,084 Land $9,830 Building $125,254	$135,084 Land $9,830 Building $125,254

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

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 19% of Florida
Wildfire Likelihood	About 1 in 1,408 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000C0-0070`
Alternative APNs	`1418S19E0140000C00070` `2735414`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,148 sqft Living Area
Gross Area	1,712 sqft Gross Area
1st Floor	1,148 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2008
Exterior Material	Wood Siding Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable Roof Construction
Roof Material	Fiberglass Roof
Lot Area	7,200 sqft (0.165 acres)
Depth X Width	100 ft x 72 ft Depth x Width
Parking Spaces	6 Parking Spaces
Garage Type	Attached Garage
Garage Area	336 sqft Garage
Porch	Finished/Screened Porch
Porch Area	292 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2735414
Street Address	3644 E LAKE TODD DR
City	HERNANDO
State	FL
Zip	34442-5550
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 7 BLK C
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	C
Legal Lot Number	7
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1024
Census Tract	450105