Citrus County property record for 3728 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,532 sqft Living Area |
| Lot Size | 7,320 sqft (0.168 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $150,000 (2018) |
| Tax Bill | $1,588.00 (2025) |
| Primary APN | 19E-18S-14-0140-000D0-013.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,532 sqft Living Area |
| 1st Floor | 1,514 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2006 |
| 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 | 7,320 sqft (0.168 acres) |
| Depth X Width | 103 ft x 73 ft Depth x Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Area | 462 sqft Garage |
| Porch | Open Porch |
| Porch Area | 378 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2893702 |
|---|---|
| Old Parcel Number | 1418S19E0140000D00130 |
| Street Address | 3728 E ARBOR LAKES DR |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5505 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 13 BLK D |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 14 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | D |
| Legal Lot Number | 13 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 1 |
| Census Block | 1032 |
| Census Tract | 450105 |
Source: Citrus County records · APN 19E-18S-14-0140-000D0-013.0
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 Individual Names on File |
|---|---|
| Mailing Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 01, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 30, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage THE FEDERAL SAVINGS BANK |
| May 29, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2018 · Amount on Record |
| Deed Sale | May 29, 2018 · Amount on Record |
| Prior Sale | Oct 01, 2004 |
| Deed Doc Number | 2018027096 |
| Deed Book / Page | 2903 / 1911 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Document Number | 0034561089 |
|---|---|
| Date | Apr 01, 2024 |
| Book Page | 3456/1089 |
| Instrument | 2024018407 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Document Number | 0032000840 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 3200/840 |
| Instrument | 2021059820 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 29, 2018 |
| Property Address | 3728 E ARBOR LAKES DR, HERNANDO, FL 34442-5505 |
| Document Number | 0029031911 |
| Book / Page | 002903 / 001911 |
| Instrument Date | May 24, 2018 |
| Instrument | 27096 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3728 E ARBOR LAKES DR HERNANDO FL 344425505, HERNANDO, FL 34442-5505 |
| Document Number | 29031913 |
|---|---|
| Date | May 29, 2018 |
| Book Page | 002903/001913 |
| Instrument | 27097 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2048 |
Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
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 | $1,588.00 (+6.43%) Homeowner's exemption Additional exemption filed | $202,022 (+0.25%) Land $10,770 Building $191,252 | $202,022 (+0.25%) Land $10,770 Building $191,252 |
| 2024 | $1,492.00 (+2.97%) Homeowner's exemption Additional exemption filed | $201,527 (-1.94%) Land $10,030 Building $191,497 | $201,527 (-1.94%) Land $10,030 Building $191,497 |
| 2023 | $1,449.00 (+6.94%) Homeowner's exemption Additional exemption filed | $205,511 (+13.62%) Land $10,030 Building $195,481 | $205,511 (+13.62%) Land $10,030 Building $195,481 |
| 2022 | $1,355.00 Homeowner's exemption Additional exemption filed | $180,883 Land $10,030 Building $170,853 | $180,883 Land $10,030 Building $170,853 |
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
| 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 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.
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