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3840 E Laguna Loop, Hernando, FL 34442 Property Records

Citrus County property record for 3840 E Laguna Loop, Hernando, FL 34442 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1986
Square Footage1,292 sqft Living Area
Lot Size32,732 sqft (0.751 acres)
OccupancyOwner Occupied
Last Sale$168,000 (2019)
Tax Bill$1,828.00 (2024)

Owner

Source: Citrus County records · APN 19E-17S-36-0010-00210-0610

Assessment roll updated December 3, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 22, 2023Intrafamily Transfer, Transfer
Dec 20, 2023Intrafamily Transfer, Transfer
Aug 29, 2019Warranty Deed, Transfer
NAVY FCU
Apr 13, 2018Warranty Deed, Transfer
A-1 TITLE/NATURE COAST
May 22, 2017Warranty Deed, Transfer
TITLE USA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 29, 2019 · Amount on Record
Deed SaleAug 29, 2019 · Amount on Record
Prior SaleApr 13, 2018 · Amount on Record
Deed Doc Number201945443
Deed Book / Page3001 / 8
Last Transfer DateNov 22, 2023
Transfer Doc0034330097
Record RefreshedSep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateNov 22, 2023
Property Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
Document Number0034262064
Book / Page3426 / 2064
Map ReferenceMB 3 PG 96
Instrument DateNov 22, 2023
Instrument2023067727
Transaction TypeTransfer
Record UpdatedJan 09, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535

Transferred To (Grantee/Buyer)

NameVerified Name
Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535

December 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateDec 20, 2023
Property Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
Document Number0034330097
Book / Page3433 / 97
Map ReferenceMB 3 PG 96-101
Instrument DateNov 22, 2023
Instrument2023073025
Transaction TypeTransfer
Record UpdatedJan 09, 2024

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535

Transferred To (Grantee/Buyer)

NameVerified Name
Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateAug 29, 2019
Property Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
Document Number0030010008
Book / Page003001 / 000008
Instrument DateAug 26, 2019
Instrument45443
Transaction TypeTransfer
Record UpdatedSep 17, 2019
Title CompanyA-1 TITLE/NATURE COAST

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,176.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3840 E LAGUNA LOOP HERNANDO FL 344422535, HERNANDO, FL 34442-2535

Mortgage

Document Number30010010
DateAug 29, 2019
Book Page003001/000010
Instrument45444
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount Recorded
Term360 Months
DueAug 28, 2049

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 13, 2018
Property Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
Document Number0028931461
Book / Page002893 / 001461
Instrument DateApr 07, 2018
Instrument18360
Transaction TypeTransfer
Record UpdatedApr 26, 2018
Title CompanyA-1 TITLE/NATURE COAST

Transaction

AmountAmount Recorded
Tax$541.80
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address7471 CR 247 LAKE PANASOFFKEE FL 335383043, LAKE PANASOFFKEE, FL 33538-3043

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateMay 22, 2017
Property Address3840 E LAGUNA LOOP, HERNANDO, FL 34442-2535
Document Number0028301385
Book / Page002830 / 001385
Instrument DateMay 17, 2017
Instrument23999
Transaction TypeTransfer
Record UpdatedOct 24, 2018
Title CompanyTITLE USA

Transaction

AmountAmount Recorded
Tax$70.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3850 E LAGUNA LOOP HERNANDO FL 344422535, HERNANDO, FL 34442-2535

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,933.00 (+5.74%)$157,608 (-25.52%)$201,687 (-4.69%) Land $35,820 Building $165,867
2024$1,828.00 (+2.81%) Homeowner's exemption Additional exemption filed$211,619 (+5.75%) Land $35,820 Building $175,799$211,619 (+5.75%) Land $35,820 Building $175,799
2023$1,778.00 (+13.32%) Homeowner's exemption Additional exemption filed$200,115 (+5.05%) Land $35,820 Building $164,295$200,115 (+5.05%) Land $35,820 Building $164,295
2022$1,569.00 Homeowner's exemption Additional exemption filed$190,488 Land $31,910 Building $158,578$190,488 Land $31,910 Building $158,578

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation41.3 ft

Wildfire

Wildfire RiskModerate
above 63% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 469 per year
ExposureDirect
burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN19E-17S-36-0010-00210-0610
Alternative APNs
  • 3617S19E0010002100610
  • 3522232

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,292 sqft Living Area
Gross Area1,972 sqft Gross Area
1st Floor1,292 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1986
Exterior MaterialCombination Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable Roof Construction
Roof MaterialFiberglass Roof
Lot Area32,732 sqft (0.751 acres)
Depth X Width176 ft x 78 ft Depth x Width
Parking Spaces8 Parking Spaces
Garage TypeAttached Garage
Garage Area408 sqft Garage
Patio Area90 sqft Patio
PorchEnclosed Porch
Porch Area713 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3522232
Street Address3840 E LAGUNA LOOP
CityHERNANDO
StateFL
Zip34442-2535
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRIVER-LAKES MANOR UNIT NO. 1 PB 3 PG 96 - 101 LOT 61 BLK 21 ---AND--- RIVER-LAKES MANOR UNIT NO. 1 PB 3 PG 96 - 101 LOT 62 BLK 21; LESS THAT PORT SAID LOT 62 MORE PART DESC AS FOLLOWS: COM MOST NRLY COR LOT 62 BLK 21 RIVER-LAKES MANOR UNIT NO. 1 PB 3
Legal Range19E
Legal Township18S
Legal Section02
Legal SubdivisionRIVER LAKES MANOR UNIT 1
Legal Block21
Legal Lot Number61
Legal Unit1
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup2
Census Block2010
Census Tract450105

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