3694 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3694 E Cove Park Trl, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,173 sqft · built 1998
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,500 (Oct 2023)
Tax Bill	$3,311 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000F0-0180`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000F0-0180`
Alternative APNs	`1418S19E0140000F00180` `2827041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,173 sqft Living Area
Gross Area	3,019 sqft
1st Floor Area	2,173 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	100 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	611 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2827041
Street Address	3694 E COVE PARK TRL
City	HERNANDO
State	FL
Zip	34442-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 18 BLK F
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	F
Legal Lot Number	18
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1001
Census Tract	450105

Owner

Source: Citrus County records, as of May 21, 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	3694 E COVE PARK TRL, HERNANDO, FL 34442-5518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	May 2, 2007 · Amount on Record
Deed Document Number	202357406
Deed Book / Page	3414 / 1910
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 3, 2023
Property Address	3694 E COVE PARK TRL, HERNANDO, FL 34442-5518
Document Number	0034141910
Book / Page	3414 / 1910
Map Reference	MB 15 PG 75-79
Instrument Date	Sep 26, 2023
Instrument	2023057406
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,145.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 BARCLAY CRES, SMITHFIELD, VA 23430-5935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3694 E COVE PARK TRL, HERNANDO, FL 34442-5518

Mortgage

Document Number	0034141917
Date	Oct 3, 2023
Instrument	3414/1917

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,311.00 (-1.75%)	$254,773 (-3.25%) Land $10,560 Building $244,213	$254,773 (-3.25%) Land $10,560 Building $244,213
2024	$3,370.00 (+12,381.48%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$263,331 (+4.24%) Land $9,830 Building $253,501	$263,331 (+4.24%) Land $9,830 Building $253,501
2023	$27.00 (-60.29%) Homeowner's exemption Additional exemption filed	$252,613 (+13.22%) Land $9,830 Building $242,783	$252,613 (+13.22%) Land $9,830 Building $242,783
2022	$68.00 Homeowner's exemption Additional exemption filed	$223,120 Land $9,830 Building $213,290	$223,120 Land $9,830 Building $213,290

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000