3840 N Indianhead Rd, Hernando, FL 34442 Property Records

Citrus County property record for 3840 N Indianhead Rd, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,826 sqft · built 2004
Lot Size	1.23 acres (53,896 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Aug 2002)
Tax Bill	$3,296 (2025)
Deeds & Mortgages	Oct 2016 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000F0-040.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000F0-040.0`
Alternative APNs	`1718S19E0010000F00400` `2358181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,826 sqft Living Area
1st Floor Area	2,826 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	53,896 sqft (1.23 acres)
Garage Area	462 sqft
Parking Spaces	11 Parking Spaces
Porch	Open Porch
Porch Area	436 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2358181
Old Parcel Number	1718S19E0010000F00400
Street Address	3840 N INDIANHEAD RD
City	HERNANDO
State	FL
Zip	34442-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 40 BLK F
Legal Range	19E
Legal Township	18S
Legal Section	17
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	F
Legal Lot Number	40
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2009
Census Tract	450104

Owner

Source: Citrus County records · APN 19E-18S-17-0010-000F0-040.0

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	3840 N INDIANHEAD RD, HERNANDO, FL 34442-2836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 23, 2002 · Amount on Record
Deed Sale	Aug 23, 2002 · Amount on Record
Deed Document Number	1277686
Deed Book / Page	1529 / 0469
Record Updated	Jun 08, 2026

October 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	3840 N INDIANHEAD RD, HERNANDO, FL 34442-2836
Document Number	0028410861
Book / Page	002841 / 000861
Instrument Date	Oct 24, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3840 N INDIANHEAD RD HERNANDO FL 344422836, HERNANDO, FL 34442-2836

Mortgage

Document Number	0028410861
Date	Jul 18, 2017
Book Page	002841/000861
Instrument	33097

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 17, 2042

Interest

Rate Type	Adjustable Rate

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	$3,296.00 (+4.5%) Homeowner's exemption Additional exemption filed	$407,388 (-0.72%) Land $33,500 Building $373,888	$407,388 (-0.72%) Land $33,500 Building $373,888
2024	$3,154.00 (+2.44%) Homeowner's exemption Additional exemption filed	$410,359 (+0.37%) Land $33,500 Building $376,859	$410,359 (+0.37%) Land $33,500 Building $376,859
2023	$3,079.00 (+6.8%) Homeowner's exemption Additional exemption filed	$408,852 (+10.63%) Land $31,500 Building $377,352	$408,852 (+10.63%) Land $31,500 Building $377,352
2022	$2,883.00 Homeowner's exemption Additional exemption filed	$369,570 Land $21,500 Building $348,070	$369,570 Land $21,500 Building $348,070

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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 / 35

Based on FCC filings for 80 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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.