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3778 E Kiwi Cove Ct, Hernando, FL 34442 Property Records

Citrus County property record for 3778 E Kiwi Cove Ct, Hernando, FL 34442

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,764 sqft · built 2023
Lot Size0.149 acres (6,481 sqft)
Owner2 Individual Names on File
Last Sale$12,000 (Oct 2021)
Tax Bill$1,571 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Oct 2021 Sale
Flood ZoneZone X (minimal risk)
APN1418S19E01700310

Property Details

APN / Parcel Number

Primary APN1418S19E01700310
Alternative APNs
  • 19E-18S-14-0170-00000-0310
  • 19E-18S-14-0170-031.0
  • 3269130

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,764 sqft Living Area
Gross Area2,270 sqft
1st Floor Area1,764 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialCombination
Roof TypeHip
Roof MaterialFiberglass
Lot Area6,481 sqft (0.149 acres)
Lot Dimensions120 ft deep x 54 ft wide
Garage TypeAttached
Garage Area506 sqft
Parking Spaces6 Parking Spaces
PorchFinished/Open Porch
Patio Area132 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Account Number3269130
Street Address3778 E KIWI COVE CT
CityHERNANDO
StateFL
Zip34442-5591
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePDR
Legal DescriptionARBOR LAKES UNIT III PB 17 PG 64 LOT 31
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT III
Legal Lot Number31
Legal UnitII
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1016
Census Tract450105

Owner

3778 E Kiwi Cove Ct is owned by two individuals who acquired it in November 2024.

Source: Citrus County records, as of July 20, 2026

Owner of Record2 Individual Names on File
Mailing Address3782 E KIWI COVE CT, HERNANDO, FL 34442-5591
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2026Deed of Trust, Mortgage · Line of Credit
PNC BANK
Oct 1, 2021Warranty Deed, Transfer
NOT AVAILABLE, MANATEE TITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 1, 2021 · Amount on File
Deed SaleOct 1, 2021 · Amount on File
Prior SaleOct 19, 2015
Deed Document Number202168266
Deed Book / Page3211 / 1641
Last Transfer DateNov 26, 2024
Transfer Doc0035210052
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Recording DateJul 1, 2026
Property Address3778 E KIWI COVE CT, HERNANDO, FL 34442-5591
Document Number0000038974
Book / Page3684 / 1829
Instrument DateJun 10, 2026
Instrument202638974
Transaction TypeMortgage
Record UpdatedJul 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3778 E KIWI COVE CT, HERNANDO, FL 34442-5591

Mortgage

Document Number0000038974,
DateJul 1, 2026
Book Page3684/1829
Instrument202638974
Lender
NamePNC BANK
Agreement
TypeLine of Credit
AmountAmount on Record
Term479 Months
DueJun 15, 2066
Interest
Rate6.36%
Max Rate-1%

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateOct 1, 2021
Property Address3778 E KIWI COVE CT, HERNANDO, FL 34442-5591
Document Number0032111641
Book / Page3211 / 1641
Map ReferenceMB 17 PG 64&65
Instrument DateSep 30, 2021
Instrument2021068266
Transaction TypeTransfer
Record UpdatedOct 27, 2021
Title CompanyNOT AVAILABLE, MANATEE TITLE LLC

Transaction

AmountAmount on Record
Tax$84.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3782 E KIWI COVE CT, 3782, HERNANDO, FL 34442-5591

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

Tax Assessment & Valuation

The 2025 property tax bill for 3778 E Kiwi Cove Ct was $1,571, down 59.9% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,571.00 (-59.87%)$139,408 (-45.13%)$243,406 (-4.19%) Land $7,830 Building $235,576
2024$3,915.00 (+3,246.15%)$254,063 (+3,260.62%) Land $7,560 Building $246,503$254,063 (+3,260.62%) Land $7,560 Building $246,503
2023$117.00 (-43.48%)$7,560 (-28.21%) Land $7,560$7,560 (-28.21%) Land $7,560
2022$207.00 Additional exemption filed$10,530 Land $10,530$10,530 Land $10,530

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3778 E Kiwi Cove Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 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

Wildfire risk around 3778 E Kiwi Cove Ct is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemROLLING OAKS SUBDIVISION
public/private · serves 11,572 people · EPA ID FL6090150
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 470 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Spectrum
Cable		1,000 / 1,000

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