3785 N Chandler Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3785 N Chandler Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,912 sqft · built 2001
Lot Size	0.242 acres (10,566 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2023)
Tax Bill	$3,942 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-22-0020-000K0-002.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-22-0020-000K0-002.0`
Alternative APNs	`2218S19E0020000K00020` `3102975`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,912 sqft Living Area
1st Floor Area	1,847 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	10,566 sqft (0.242 acres)
Lot Dimensions	121 ft deep x 80 ft wide
Garage Area	484 sqft
Parking Spaces	5 Parking Spaces
Pool Area	240 sqft
Porch	Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3102975
Old Parcel Number	2218S19E0020000K00020
Street Address	3785 N CHANDLER DR
City	HERNANDO
State	FL
Zip	34442-3761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	CANTERBURY LAKE ESTATES SECOND ADDN PB 16 PG 80 LOT 2 BLK K
Legal Range	19E
Legal Township	18S
Legal Section	22
Legal Subdivision	CANTERBURY LAKE ESTATES SECOND
Legal Block	K
Legal Lot Number	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1027
Census Tract	450104

Owner

3785 N Chandler Dr is owned by an individual who bought it in May 2023.

Source: Citrus County records, as of December 10, 2025

Owner of Record	Individual Name on File
Mailing Address	36 DELAWARE RD, NEWBURGH, NY 12550-3869
Owner Type	Individual

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

Date	Document
May 1, 2023	Warranty Deed, Transfer · VA Mortgage UNION HOME MORTGAGE CORP
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Document Number	2023025013
Deed Book / Page	3374 / 2334
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 1, 2023
Property Address	3785 N CHANDLER DR, HERNANDO, FL 34442-3761
Document Number	0033742334
Book / Page	3374 / 2334
Map Reference	MB 16 PG 80
Instrument Date	Apr 28, 2023
Instrument	2023025013
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	776 WORTMAN AVE, BROOKLYN, NY 11208-5514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3785 N CHANDLER DR, HERNANDO, FL 34442-3761

Mortgage

Document Number	0033742337
Date	May 1, 2023
Instrument	3374/2337

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 3, 2020
Property Address	3785 N CHANDLER DR, HERNANDO, FL 34442-3761
Document Number	0030431880
Book / Page	3043 / 1880
Map Reference	MB 16 PG 80-86
Instrument Date	Feb 26, 2020
Instrument	2020011928
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5445 W OAK BLVD, 5445, HOMOSASSA, FL 34446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3785 N CHANDLER DR, HERNANDO, FL 34442-3761
Investor	Possibly a Property Investor

Mortgage

Document Number	30431881
Date	Mar 3, 2020
Instrument	3043/1881

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3785 N Chandler Dr was $3,942, down 1.1% from the year before.

Source: Citrus County assessment roll, as of July 1, 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	$3,942.00 (-1.1%)	$253,639 (-2.32%) Land $12,800 Building $240,839	$253,639 (-2.32%) Land $12,800 Building $240,839
2024	$3,986.00 (+6.01%)	$259,667 (-2.21%) Land $9,500 Building $250,167	$259,667 (-2.21%) Land $9,500 Building $250,167
2023	$3,760.00 (+16.55%)	$265,542 (+18.28%) Land $13,400 Building $252,142	$265,542 (+18.28%) Land $13,400 Building $252,142
2022	$3,226.00	$224,503 Land $9,500 Building $215,003	$224,503 Land $9,500 Building $215,003

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

Flood

FEMA maps place 3785 N Chandler Dr 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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 3785 N Chandler Dr is moderate, ranking above 60% 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 Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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