3735 E Cove Park Trl, Hernando, FL 34442 Property Records

Citrus County property record for 3735 E Cove Park Trl, Hernando, FL 34442 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 1999
Lot Size	0.204 acres (8,892 sqft)
Owner	2 Individual Names on File
Last Sale	$119,900 (Dec 2014)
Tax Bill	$1,344 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000D0-0150`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000D0-0150`
Alternative APNs	`1418S19E0140000D00150` `2893711`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,311 sqft Living Area
Gross Area	2,035 sqft
1st Floor Area	1,311 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	8,892 sqft (0.204 acres)
Lot Dimensions	113 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	1 sqft
Porch	Finished/Screened Porch
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2893711
Street Address	3735 E COVE PARK TRL
City	HERNANDO
State	FL
Zip	34442-5521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 15 BLK D
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	D
Legal Lot Number	15
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1032
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000D0-0150

Assessment roll updated December 3, 2025 · Last verified April 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 File
Mailing Address	3735 E COVE PARK TRL, HERNANDO, FL 34442-5521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2014 · Amount on Record
Deed Sale	Dec 15, 2014 · Amount on Record
Prior Sale	Oct 03, 2014 · Amount on Record
Deed Document Number	201455059
Deed Book / Page	2660 / 2215
Last Transfer Date	Jul 03, 2025
Transfer Doc	0035811062
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3735 E COVE PARK TRL, HERNANDO, FL 34442-5521
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3735 E COVE PARK TRL, HERNANDO, FL 34442-5521

Mortgage

Document Number	0031540697
Date	Apr 14, 2021
Book Page	3154/697
Instrument	2021024365

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 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	$1,344.00 (+7.09%)	$119,079 (-39.29%)	$191,060 (-2.58%) Land $19,980 Building $171,080
2024	$1,255.00 (+3.21%) Homeowner's exemption Additional exemption filed	$196,128 (-3%) Land $18,600 Building $177,528	$196,128 (-3%) Land $18,600 Building $177,528
2023	$1,216.00 (+6.95%) Homeowner's exemption Additional exemption filed	$202,203 (+12.92%) Land $18,600 Building $183,603	$202,203 (+12.92%) Land $18,600 Building $183,603
2022	$1,137.00 Homeowner's exemption Additional exemption filed	$179,065 Land $18,600 Building $160,465	$179,065 Land $18,600 Building $160,465

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174501051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force 28 of 36 on primary residences

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.