3655 E Adams St, Hernando, FL 34442 Property Records

Citrus County property record for 3655 E Adams St, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1989
Square Footage	1,253 sqft Living Area
Lot Size	14,400 sqft (0.33 acres)
Occupancy	Owner Occupied
Last Sale	$68,000 (2003)
Tax Bill	$662.00 (2025)

Owner

Source: Citrus County records · APN 19E-17S-36-0010-00060-026.0

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	3655 E ADAMS ST, HERNANDO, FL 34442-2501
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 29, 2003 · Amount on Record
Deed Sale	May 29, 2003 · Amount on Record
Deed Doc Number	2003031763
Deed Book / Page	1605 / 0633
Record Refreshed	Jun 08, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3655 E ADAMS ST, HERNANDO, FL 34442-2501
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028320048
Date	May 31, 2017
Book Page	2832/0048
Instrument	2017025276

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2027

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$662.00 (+9.24%) Homeowner's exemption Additional exemption filed	$169,731 (+5.22%) Land $7,800 Building $161,931	$169,731 (+5.22%) Land $7,800 Building $161,931
2024	$606.00 (+0.83%) Homeowner's exemption Additional exemption filed	$161,318 (+5.12%) Land $6,180 Building $155,138	$161,318 (+5.12%) Land $6,180 Building $155,138
2023	$601.00 (+3.98%) Homeowner's exemption Additional exemption filed	$153,463 (+15.86%) Land $6,180 Building $147,283	$153,463 (+15.86%) Land $6,180 Building $147,283
2022	$578.00 Homeowner's exemption Additional exemption filed	$132,457 Land $3,500 Building $128,957	$132,457 Land $3,500 Building $128,957

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 62% of the US · above 36% of Florida
Wildfire Likelihood	About 1 in 510 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00060-026.0`
Alternative APNs	`3617S19E0010000600260` `1895596`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,253 sqft Living Area
1st Floor	1,253 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1989
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Gable Roof Construction
Roof Material	Fiberglass Roof
Lot Area	14,400 sqft (0.33 acres)
Depth X Width	180 ft x 80 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Area	425 sqft Garage

Exterior Amenities

Fence	Fence
Porch	Open Porch
Porch Area	284 sqft Porch
Utility Building	80 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	1895596
Old Parcel Number	3617S19E0010000600260
Street Address	3655 E ADAMS ST
City	HERNANDO
State	FL
Zip	34442-2501
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RIVER LAKES MANOR UNIT 1 PB 3 PG 96 LOT 26 BLK 6
Legal Range	19E
Legal Township	18S
Legal Section	02
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	6
Legal Lot Number	26
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	2
Census Block	2018
Census Tract	450105