3837 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3837 E Arbor Lakes Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,774 sqft · built 2005
Lot Size	0.174 acres (7,582 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,754 (2025)
Deeds & Mortgages	Jun 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0140-000N0-025.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000N0-025.0`
Alternative APNs	`1418S19E0140000N00250` `3114513`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,774 sqft Living Area
1st Floor Area	1,774 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	7,582 sqft (0.174 acres)
Lot Dimensions	101 ft deep x 72 ft wide
Garage Area	516 sqft
Parking Spaces	11 Parking Spaces
Porch	Enclosed Porch
Porch Area	304 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3114513
Old Parcel Number	1418S19E0140000N00250
Street Address	3837 E ARBOR LAKES DR
City	HERNANDO
State	FL
Zip	34442-5503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 25 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	N
Legal Lot Number	25
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1031
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000N0-025.0

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	Verified Secondary Owner
Mailing Address	3837 E ARBOR LAKES DR, HERNANDO, FL 34442-5503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Transfer Date	Jun 28, 2023
Transfer Doc	0033901150
Record Updated	Jun 08, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Jun 28, 2023
Property Address	3837 E ARBOR LAKES DR, HERNANDO, FL 34442-5503
Document Number	0033901150
Book / Page	3390 / 1150
Map Reference	MB 15 PG 75-79
Instrument Date	Jun 20, 2023
Instrument	2023037451
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3837 E ARBOR LAKES DR, HERNANDO, FL 34442-5503

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3837 E ARBOR LAKES DR, HERNANDO, FL 34442-5503

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	$1,754.00 (+6.11%) Homeowner's exemption Additional exemption filed	$248,251 (-5.37%) Land $10,870 Building $237,381	$248,251 (-5.37%) Land $10,870 Building $237,381
2024	$1,653.00 (+2.86%) Homeowner's exemption Additional exemption filed	$262,346 (-0.36%) Land $10,120 Building $252,226	$262,346 (-0.36%) Land $10,120 Building $252,226
2023	$1,607.00 (+6.99%) Homeowner's exemption Additional exemption filed	$263,299 (+11.32%) Land $10,120 Building $253,179	$263,299 (+11.32%) Land $10,120 Building $253,179
2022	$1,502.00 Homeowner's exemption Additional exemption filed	$236,516 Land $10,120 Building $226,396	$236,516 Land $10,120 Building $226,396

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 14, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Xfinity.

Based on FCC filings for 133 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.