3811 E Garnet Loop, Hernando, FL 34442 Property Records

Citrus County property record for 3811 E Garnet Loop, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	1,420 sqft Living Area
Lot Size	12,764 sqft (0.293 acres)
Occupancy	Owner Occupied
Last Sale	$246,000 (2021)
Tax Bill	$2,979.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-11-0020-000G0-002.0

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3811 E GARNET LOOP, HERNANDO, FL 34442-3940
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Warranty Deed, Transfer · Conventional Mortgage BRANNEN BANK
Oct 09, 2017	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	Oct 09, 2017 · Amount on Record
Deed Doc Number	2021015843
Deed Book / Page	3143 / 1319
Record Refreshed	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 12, 2021
Property Address	3811 E GARNET LOOP, HERNANDO, FL 34442-3940
Document Number	0031431319
Book / Page	3143 / 1319
Map Reference	MB 3 PG 127
Instrument Date	Mar 10, 2021
Instrument	2021015843
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	CITRUS TITLE CO LLC, CITRUS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,722.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	380 HALSTEAD DR # 101, 380, CROSSVILLE, TN 38555-0150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 E GARNET LOOP, HERNANDO, FL 34442-3940

Mortgage

Document Number	31431321
Date	Mar 12, 2021
Instrument	3143/1321

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

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

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 09, 2017
Property Address	3811 E GARNET LOOP, HERNANDO, FL 34442-3940
Document Number	0028562016
Book / Page	2856 / 2016
Map Reference	MB3 PG127
Instrument Date	Sep 19, 2007
Instrument	2017046074
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	LAND TITLE CITRUS CNTY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3903 TOPAZ RANCH DR, 3903, WELLINGTON, NV 89444-9492

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3811 E GARNET LOOP, HERNANDO, FL 34442-3940

Mortgage

Document Number	28562017
Date	Oct 09, 2017
Instrument	2856/2017

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2032

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$2,979.00 (+4.82%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$269,503 (-3.04%) Land $46,380 Building $223,123	$269,503 (-3.04%) Land $46,380 Building $223,123
2024	$2,842.00 (+2.56%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$277,939 (+5.09%) Land $42,390 Building $235,549	$277,939 (+5.09%) Land $42,390 Building $235,549
2023	$2,771.00 (+4.37%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$264,481 (+11.58%) Land $42,390 Building $222,091	$264,481 (+11.58%) Land $42,390 Building $222,091
2022	$2,655.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$237,025 Land $14,960 Building $222,065	$237,025 Land $14,960 Building $222,065

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	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	About 1 in 366 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-11-0020-000G0-002.0`
Alternative APNs	`1118S19E0020000G00020` `1591741`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,420 sqft Living Area
1st Floor	1,420 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1999
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	12,764 sqft (0.293 acres)
Depth X Width	114 ft x 95 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Area	696 sqft Garage

Exterior Amenities

Fence	Fence
Deck Area	276 sqft Deck
Patio Area	72 sqft Patio
Porch	Enclosed Porch
Porch Area	857 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	1591741
Old Parcel Number	1118S19E0020000G00020
Street Address	3811 E GARNET LOOP
City	HERNANDO
State	FL
Zip	34442-3940
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WILLOLA HGTS UNIT 2 PB 3 PG 127 LOT 2 LESS S 10 FT THEREOF BLK G
Legal Range	19E
Legal Township	18S
Legal Section	11
Legal Subdivision	WILLOLA HEIGHTS UNIT 2
Legal Block	G
Legal Lot Number	2
Legal Unit	2
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1001
Census Tract	450105

3811 E Garnet Loop, Hernando, FL 34442 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Nearby Properties on E Garnet Loop

Nearby Streets

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