3738 E Lake Todd Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3738 E Lake Todd Dr, Hernando, FL 34442 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2019
Square Footage	1,411 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Occupancy	Owner Occupied
Last Sale	$339,900 (2024)
Tax Bill	$2,316.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000C0-0150`
Alternative APNs	`1418S19E0140000C00150` `2915226`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,411 sqft Living Area
Gross Area	2,052 sqft Gross Area
1st Floor	1,411 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination Exterior
Construction Type	Concrete Blocks Construction
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	6 Parking Spaces
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Pool Area	288 sqft Pool
Porch Area	225 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2915226
Street Address	3738 E LAKE TODD DR
City	HERNANDO
State	FL
Zip	34442-5574
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 15 BLK C
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	C
Legal Lot Number	15
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1024
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000C0-0150

Assessment roll updated December 3, 2025 · Last verified May 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	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
Mar 08, 2024	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 05, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE
Jun 27, 2018	Warranty Deed, Transfer AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 08, 2024 · Amount on Record
Deed Sale	Mar 08, 2024 · Amount on Record
Prior Sale	Sep 05, 2019 · Amount on Record
Deed Doc Number	202413450
Deed Book / Page	3450 / 2301
Record Refreshed	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	Apr 28, 2026
Property Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Document Number	0000024727
Book / Page	3664 / 1691
Instrument Date	Apr 14, 2026
Instrument	202624727
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574

Mortgage

Document Number	0000024727,
Date	Apr 28, 2026
Book Page	3664/1691
Instrument	202624727

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2056

Interest

Rate	6.22%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 08, 2024
Property Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Document Number	0034502301
Book / Page	3450 / 2301
Map Reference	MB 15 PG 75-79
Instrument Date	Feb 28, 2024
Instrument	2024013450
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS

Transaction

Amount	Amount Recorded
Tax	$2,379.30
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574

Mortgage

Document Number	0031891021
Date	Jul 28, 2021
Book Page	3189/1021
Instrument	2021051400

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

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

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 05, 2019
Property Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Document Number	0030020636
Book / Page	003002 / 000636
Instrument Date	Aug 27, 2019
Instrument	46420
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2019
Title Company	COMPASS LAND AND TITLE, COMPASS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3738 E LAKE TODD DR HERNANDO FL 344425574, HERNANDO, FL 34442-5574

Mortgage

Document Number	30020637
Date	Sep 05, 2019
Book Page	003002/000637
Instrument	46421

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 04, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 27, 2018
Property Address	3738 E LAKE TODD DR, HERNANDO, FL 34442-5574
Document Number	0029100841
Book / Page	002910 / 000841
Instrument Date	Jun 27, 2018
Instrument	32658
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$83.30
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3400 E ROTOR WING PATH HERNANDO FL 344425042, HERNANDO, FL 34442-5042

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified May 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,860.00 (-19.69%)	$153,898 (-35.26%)	$229,543 (-3.43%) Land $10,560 Building $218,983
2024	$2,316.00 (+2.71%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$237,700 (-2.79%) Land $9,830 Building $227,870	$237,700 (-2.79%) Land $9,830 Building $227,870
2023	$2,255.00 (+3.87%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$244,523 (+11.09%) Land $9,830 Building $234,693	$244,523 (+11.09%) Land $9,830 Building $234,693
2022	$2,171.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$220,111 Land $9,830 Building $210,281	$220,111 Land $9,830 Building $210,281

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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.

3738 E Lake Todd Dr, Hernando, FL 34442 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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Nearby Streets

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