3812 E Lake Todd Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3812 E Lake Todd Dr, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,208 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Occupancy	Owner Occupied
Last Sale	$193,000 (2021)
Tax Bill	$1,781.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000N0-004.0`
Alternative APNs	`1418S19E0140000N00040` `2953179`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,208 sqft Living Area
1st Floor	1,208 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2004
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
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 Area	460 sqft Garage
Porch	Finished/Screened Porch
Porch Area	272 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2953179
Old Parcel Number	1418S19E0140000N00040
Street Address	3812 E LAKE TODD DR
City	HERNANDO
State	FL
Zip	34442-5552
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 4 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	N
Legal Lot Number	4
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1031
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000N0-004.0

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	2 Individual Names on File
Co-owner	2 Verified Secondary Owners
Mailing Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 26, 2024	Intrafamily Transfer, Transfer
May 12, 2021	Warranty Deed, Transfer EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Last Sale	May 12, 2021 · Amount on Record
Deed Sale	May 12, 2021 · Amount on Record
Prior Sale	May 12, 2021 · Amount on Record
Deed Doc Number	0031632234
Deed Book / Page	3163 / 2234
Last Transfer Date	Feb 26, 2024
Transfer Doc	0034471910
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 E LAKE TODD DR JR, JR, HERNANDO, FL 34442-5552

Mortgage

Document Number	0031932228
Date	Aug 10, 2021
Book Page	3193/2228
Instrument	2021054736

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Feb 26, 2024
Property Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552
Document Number	0034471910
Book / Page	3447 / 1910
Map Reference	MB 15 PG 75-79
Instrument Date	Feb 15, 2024
Instrument	2024010840
Transaction Type	Transfer
Record Updated	Mar 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	1118 WOODLAND LN # 1118, 1118, ALPHARETTA, GA 30009-8729

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 12, 2021
Property Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552
Document Number	0031632234
Book / Page	3163 / 2234
Map Reference	MB 15 PG 75-79
Instrument Date	Apr 29, 2021
Instrument	2021031626
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount Recorded
Tax	$1,351.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 E LAKE TODD DR, HERNANDO, FL 34442-5552

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	$1,781.00 (+6.01%) Homeowner's exemption Additional exemption filed	$170,905 (-2.97%) Land $10,560 Building $160,345	$170,905 (-2.97%) Land $10,560 Building $160,345
2024	$1,680.00 (+2.88%) Homeowner's exemption Additional exemption filed	$176,144 (-3.26%) Land $9,830 Building $166,314	$176,144 (-3.26%) Land $9,830 Building $166,314
2023	$1,633.00 (+7.01%) Homeowner's exemption Additional exemption filed	$182,075 (+13.54%) Land $9,830 Building $172,245	$182,075 (+13.54%) Land $9,830 Building $172,245
2022	$1,526.00 Homeowner's exemption Additional exemption filed	$160,358 Land $9,830 Building $150,528	$160,358 Land $9,830 Building $150,528

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 A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 24% of Florida
Wildfire Likelihood	About 1 in 926 per year
Exposure	Indirect within ember reach

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

3812 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

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2024: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2021: 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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