3657 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3657 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1997
Square Footage	1,308 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Occupancy	Owner Occupied
Last Sale	$260,000 (2026)
Tax Bill	$2,660.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000C0-028.0

Assessment roll updated July 1, 2025 · Last verified January 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
Co-owner	Verified Secondary Owner
Mailing Address	3657 E ARBOR LAKES DR, HERNANDO, FL 34442-5571
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 06, 2026 · Amount on Record
Deed Sale	Jan 06, 2026 · Amount on Record
Prior Sale	Apr 07, 2025 · Amount on Record
Deed Doc Number	2026000673
Deed Book / Page	3632 / 1761
Record Refreshed	Jun 08, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 06, 2026
Property Address	3657 E ARBOR LAKES DR, HERNANDO, FL 34442-5571
Document Number	0036321761
Book / Page	3632 / 1761
Map Reference	MB 15 PG 75
Instrument Date	Dec 24, 2025
Instrument	2026000673
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FIRST NATIONS TITLE, FIRST NATIONAL T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11704 E ARBOR DR, ANCHORAGE, KY 40223-2356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3657 E ARBOR LAKES DR, HERNANDO, FL 34442-5571
Investor	Possibly a Property Investor

Mortgage

Document Number	0036321763
Date	Jan 06, 2026
Instrument	3632/1763

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified January 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	$2,660.00 (+0.8%)	$166,356 (-3.2%) Land $10,560 Building $155,796	$166,356 (-3.2%) Land $10,560 Building $155,796
2024	$2,639.00 (+4.39%)	$171,848 (-0.81%) Land $9,830 Building $162,018	$171,848 (-0.81%) Land $9,830 Building $162,018
2023	$2,528.00 (+12.86%)	$173,255 (+9.64%) Land $9,830 Building $163,425	$173,255 (+9.64%) Land $9,830 Building $163,425
2022	$2,240.00	$158,026 Land $9,830 Building $148,196	$158,026 Land $9,830 Building $148,196

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-14-0140-000C0-028.0`
Alternative APNs	`1418S19E0140000C00280` `2817429`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,308 sqft Living Area
1st Floor	1,308 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 1997
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Hip 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	8 Parking Spaces
Garage Area	360 sqft Garage
Porch	Finished/Screened Porch
Porch Area	180 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2817429
Old Parcel Number	1418S19E0140000C00280
Street Address	3657 E ARBOR LAKES DR
City	HERNANDO
State	FL
Zip	34442-5571
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 28 BLK C
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	C
Legal Lot Number	28
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1024
Census Tract	450105