3802 E Ryan St, #5, Inverness, FL 34453 Property Records

Citrus County property record for 3802 E Ryan St, #5, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 2005
Lot Size	0.222 acres (9,657 sqft)
Owner	2 Company Names on Record
Last Sale	$233,000 (May 2026)
Tax Bill	$816 (2025)
Deeds & Mortgages	Sep 2026 Transfer May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-02-0030-01000-0050`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-02-0030-01000-0050`
Alternative APNs	`0219S19E0030010000050` `3311955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	1,276 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Frame/Wood Siding
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,657 sqft (0.222 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	284 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3311955
Street Address	3802 E RYAN ST, 5
City	INVERNESS
State	FL
Zip	34453-9783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS UNIT 3 PB 2 PG 103 LOTS 5 6 7 & 8 BLK 100
Legal Range	19E
Legal Township	19S
Legal Section	02
Legal Subdivision	INVERNESS HIGHLANDS UNIT 3
Legal Block	100
Legal Lot Number	5
Legal Unit	3
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1105
Census Tract	450705

Owner

Source: Citrus County records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3802 E RYAN ST, INVERNESS, FL 34453-9783
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 17, 2019	Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Jan 17, 2007 · Amount on Record
Deed Document Number	202626200
Deed Book / Page	3666 / 2067
Last Transfer Date	Sep 15, 2026
Transfer Doc	0000057769
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 25, 2026
Property Address	3802 E RYAN ST, 5, INVERNESS, FL 34453-9783
Document Number	0000057769
Book / Page	3710 / 963
Instrument Date	Sep 15, 2026
Instrument	202657769
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3802 E RYAN ST, INVERNESS, FL 34453-9783

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 5, 2026
Property Address	3802 E RYAN ST, 5, INVERNESS, FL 34453-9783
Document Number	0000026200
Book / Page	3666 / 2067
Instrument Date	May 4, 2026
Instrument	2026.26200
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	CITRUS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164,731.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3802 E RYAN ST, INVERNESS, FL 34453-9783

Mortgage

Document Number	0000026201,
Date	May 5, 2026
Instrument	2026..26201

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 5, 2026
Property Address	3802 E RYAN ST, 5, INVERNESS, FL 34453-9783
Document Number	0036662067
Book / Page	3666 / 2067
Instrument Date	May 4, 2026
Instrument	202626200
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	CITRUS LAND TITLE, CITRUS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164,731.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3802 E RYAN ST, INVERNESS, FL 34453-9783

Mortgage

Document Number	0000026201,
Date	May 5, 2026
Instrument	202626201

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3802 E RYAN ST, INVERNESS, FL 34453-9783
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028832236
Date	Mar 2, 2018
Book Page	2883/2236
Instrument	2018010056

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3802 E RYAN ST, INVERNESS, FL 34453-9783
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029832426
Date	Jun 17, 2019
Book Page	2983/2426
Instrument	2019031308

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2029

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 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	$816.00 (+9.97%)	$82,282 (-57.69%)	$188,350 (-3.15%) Land $8,560 Building $179,790
2024	$742.00 (+3.92%) Homeowner's exemption Additional exemption filed	$194,484 (-1.4%) Land $7,440 Building $187,044	$194,484 (-1.4%) Land $7,440 Building $187,044
2023	$714.00 (+6.89%) Homeowner's exemption Additional exemption filed	$197,240 (+15.52%) Land $6,800 Building $190,440	$197,240 (+15.52%) Land $6,800 Building $190,440
2022	$668.00 Homeowner's exemption Additional exemption filed	$170,742 Land $4,400 Building $166,342	$170,742 Land $4,400 Building $166,342

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.

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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 System	INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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