Citrus County property record for 3655 E Cove Park Trl, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,557 sqft · built 2001 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Apr 2020) |
| Tax Bill | $1,186 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Apr 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-18S-14-0140-000D0-0210 |
| Primary APN | 19E-18S-14-0140-000D0-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,557 sqft Living Area |
| Gross Area | 2,134 sqft |
| 1st Floor Area | 1,557 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 110 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 288 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 212 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2891211 |
|---|---|
| Street Address | 3655 E COVE PARK TRL |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 21 BLK D |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | D |
| Legal Lot Number | 21 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 450105 |
Source: Citrus County records, as of August 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3655 E COVE PARK TRL, HERNANDO, FL 34442-5519 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 29, 2020 | Warranty Deed, Transfer FIRST INT'L TITLE |
| Apr 28, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2020 · Amount on Record |
| Deed Sale | Apr 29, 2020 · Amount on Record |
| Prior Sale | Jun 1, 2013 · Amount on Record |
| Deed Document Number | 202022290 |
| Deed Book / Page | 3056 / 1729 |
| Prior Transfer Date | Jun 11, 2013 |
| Prior Transfer Doc | 0000028558 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 3655 E COVE PARK TRL, HERNANDO, FL 34442-5519 |
| Document Number | 0000045040 |
| Book / Page | 3693 / 241 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 202645040 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3655 E COVE PARK TRL, HERNANDO, FL 34442-5519 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Apr 29, 2020 |
| Property Address | 3655 E COVE PARK TRL, HERNANDO, FL 34442-5519 |
| Document Number | 0030561729 |
| Book / Page | 003056 / 001729 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 22290 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2020 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3655 E COVE PARK TRL HERNANDO FL 344425519, HERNANDO, FL 34442-5519 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3655 E COVE PARK TRL, HERNANDO, FL 34442-5519 |
| Document Number | 0028330543 |
| Instrument Date | Apr 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3655 E COVE PARK TRL HERNANDO FL 344425519, HERNANDO, FL 34442-5519 |
| Document Number | 0028330543 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 002833/000543 |
| Instrument | 26179 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 4, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,186.00 (+7.72%) Homeowner's exemption | $109,195 (-48.94%) | $216,505 (+1.25%) Land $10,970 Building $205,535 |
| 2024 | $1,101.00 (+3.38%) Homeowner's exemption Additional exemption filed | $213,839 (-2.96%) Land $10,220 Building $203,619 | $213,839 (-2.96%) Land $10,220 Building $203,619 |
| 2023 | $1,065.00 (+7.04%) Homeowner's exemption Additional exemption filed | $220,363 (+12.86%) Land $10,220 Building $210,143 | $220,363 (+12.86%) Land $10,220 Building $210,143 |
| 2022 | $995.00 Homeowner's exemption Additional exemption filed | $195,252 Land $10,220 Building $185,032 | $195,252 Land $10,220 Building $185,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
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