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3654 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3654 E Cove Park Trl, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,768 sqft · built 1999
Lot Size0.165 acres (7,200 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Jan 2024)
Tax Bill$2,963 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Jan 2020 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN19E-18S-14-0140-000F0-015.0

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0140-000F0-015.0
Alternative APNs
  • 1418S19E0140000F00150
  • 2886455

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,768 sqft Living Area
1st Floor Area1,768 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2014
Architectural StyleOther
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeHip
Roof MaterialFiberglass
Lot Area7,200 sqft (0.165 acres)
Lot Dimensions100 ft deep x 72 ft wide
Garage Area464 sqft
Parking Spaces5 Parking Spaces
PorchOpen Porch
Porch Area428 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number2886455
Old Parcel Number1418S19E0140000F00150
Street Address3654 E COVE PARK TRL
CityHERNANDO
StateFL
Zip34442-5518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePDR PLANNED DEVELOPMENT(S
Legal DescriptionARBOR LAKES UNIT 1 PB 15 PG 75 LOT 15 BLK F
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockF
Legal Lot Number15
Legal Unit1
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1001
Census Tract450105

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2024Warranty Deed, Transfer · Conventional Mortgage
EVERETT FINANCIAL INC
Jan 16, 2020Warranty Deed, Transfer
AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS
May 17, 2018Deed of Trust, Mortgage · Conventional Mortgage
VIBRANT CU
Sep 21, 2017Warranty Deed, Transfer
BRANNEN BANK
Sep 21, 2017Warranty Deed, Transfer
FIRST INT'L TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 16, 2024 · Amount on Record
Deed SaleJan 16, 2024 · Amount on Record
Prior SaleJan 16, 2020 · Amount on Record
Deed Document Number2024002410
Deed Book / Page3438 / 419
Record UpdatedJun 8, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJan 16, 2024
Property Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number0034380419
Book / Page3438 / 419
Map ReferenceMB 15 PG 75-79
Instrument DateJan 12, 2024
Instrument2024002410
Transaction TypeTransfer
Record UpdatedFeb 12, 2024
Title CompanyTROPIC TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7043 MINCHEW CIR, THE VILLAGES, FL 34762-6555

Transferred To (Grantee/Buyer)

NameVerified Name
Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518

Mortgage

Document Number0034380421
DateJan 16, 2024
Book Page3438/421
Instrument2024002411
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
AddressDALLAS, TX 75254
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJan 16, 2020
Property Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number0030320803
Book / Page003032 / 000803
Instrument DateJan 16, 2020
Instrument2880
Transaction TypeTransfer
Record UpdatedFeb 14, 2020
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS

Transaction

AmountAmount Recorded
Tax$1,539.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3654 E COVE PARK TRL HERNANDO FL 344425518, HERNANDO, FL 34442-5518

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number0029012234
Instrument DateMay 17, 2018
Transaction TypeMortgage
Record UpdatedJun 18, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3654 E COVE PARK TRL HERNANDO FL 344425518, HERNANDO, FL 34442-5518

Mortgage

Document Number0029012234
DateMay 21, 2018
Book Page002901/002234
Instrument25524
Lender
NameVIBRANT CU
AddressMOLINE, IL 61265
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 20, 2033

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateSep 21, 2017
Property Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number0028531125
Book / Page2853 / 1125
Map ReferenceMB15 PG75-79
Instrument DateSep 21, 2017
Instrument2017043347
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanyFIRST INTL TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address900 W LAKE RD # RDC207, 900, PALM HARBOR, FL 34684-3142

Transferred To (Grantee/Buyer)

NameVerified Name
Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518

Mortgage

Document Number28531127
DateSep 21, 2017
Instrument2853/1127
Lender
NameBRANNEN BANK
TypeBank
Agreement
AmountAmount Recorded
Term360 Months
DueSep 21, 2047

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateSep 21, 2017
Property Address3654 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number0028531393
Book / Page002853 / 001393
Instrument DateSep 21, 2017
Instrument43422
Transaction TypeTransfer
Record UpdatedOct 10, 2017
Title CompanyFIRST INT'L TITLE

Transaction

AmountAmount Recorded
Tax$3.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3654 E COVE PARK TRL HERNANDO FL 344425518, HERNANDO, FL 34442-5518

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 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$2,963.00 (-13.59%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed$234,029 (+5.37%) Land $10,560 Building $223,469$234,029 (+5.37%) Land $10,560 Building $223,469
2024$3,429.00 (+143.19%)$222,098 (-2.69%) Land $9,830 Building $212,268$222,098 (-2.69%) Land $9,830 Building $212,268
2023$1,410.00 (+2.1%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$228,228 (+13.57%) Land $9,830 Building $218,398$228,228 (+13.57%) Land $9,830 Building $218,398
2022$1,381.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$200,966 Land $9,830 Building $191,136$200,966 Land $9,830 Building $191,136

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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