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3848 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3848 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2000
Square Footage1,844 sqft Living Area
Lot Size6,840 sqft (0.157 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2026)
Tax Bill$1,427.00 (2024)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000Q0-0020

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

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

Owner of Record2 Individual Names on File
Mailing Address3848 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 06, 2026Warranty Deed, Transfer · Conventional Mortgage
WRIGHTPATT CREDIT UNION INC
Mar 17, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 18, 2017Warranty Deed, Transfer
FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 06, 2026 · Amount on Record
Deed SaleApr 06, 2026 · Amount on Record
Prior SaleApr 18, 2017 · Amount on Record
Deed Doc Number202619247
Deed Book / Page3657 / 257
Prior Transfer DateMar 17, 2023
Prior Transfer Doc0000015453
Record RefreshedJun 08, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 06, 2026
Property Address3848 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0036570257
Book / Page3657 / 257
Instrument DateMar 31, 2026
Instrument202619247
Transaction TypeTransfer
Record UpdatedApr 16, 2026
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$226,240.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3848 E ARBOR LAKES DR, HERNANDO, FL 34442-5506

Mortgage

Document Number0000019248,
DateApr 06, 2026
Instrument202619248
Lender
NameWRIGHTPATT CREDIT UNION INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate TypeFixed Rate
Rate6.01%
Initial TypeFixed Rate
Max Rate-1%

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateMar 17, 2023
Property Address3848 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0033630445
Book / Page3363 / 445
Map ReferenceMB 15 PG 75-79
Instrument DateMar 17, 2023
Instrument2023015453
Transaction TypeTransfer
Record UpdatedApr 04, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4378 N ARBOR SHORE TRL, HERNANDO, FL 34442-5514

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants In Common
Address119 BEVERLY RD, TORRINGTON, CT 06790-4060

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 18, 2017
Property Address3848 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0028230332
Book / Page002823 / 000332
Instrument DateApr 10, 2017
Instrument17698
Transaction TypeTransfer
Record UpdatedMay 16, 2017
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Tax$1,099.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3848 E ARBOR LAKES DR HERNANDO FL 344425506, HERNANDO, FL 34442-5506

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,521.00 (+6.59%) Homeowner's exemption$131,007 (-41.9%)$217,729 (-3.44%) Land $10,920 Building $206,809
2024$1,427.00 (+3.03%) Homeowner's exemption Additional exemption filed$225,484 (-0.6%) Land $10,920 Building $214,564$225,484 (-0.6%) Land $10,920 Building $214,564
2023$1,385.00 (+6.95%) Homeowner's exemption Additional exemption filed$226,834 (+12.37%) Land $10,920 Building $215,914$226,834 (+12.37%) Land $10,920 Building $215,914
2022$1,295.00 Homeowner's exemption Additional exemption filed$201,863 Land $10,920 Building $190,943$201,863 Land $10,920 Building $190,943

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskModerate
above 53% of the US · above 24% of Florida
Wildfire LikelihoodAbout 1 in 926 per year
ExposureIndirect
within ember reach

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

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0140-000Q0-0020
Alternative APNs
  • 1418S19E0140000Q00020
  • 2825189

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,844 sqft Living Area
Gross Area2,576 sqft Gross Area
1st Floor1,844 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialCombination Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionHip Roof Construction
Roof MaterialFiberglass Roof
Lot Area6,840 sqft (0.157 acres)
Depth X Width95 ft x 72 ft Depth x Width
Parking Spaces4 Parking Spaces
Garage TypeAttached Garage
Garage Area572 sqft Garage
PorchFinished/Screened Porch
Porch Area232 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number2825189
Street Address3848 E ARBOR LAKES DR
CityHERNANDO
StateFL
Zip34442-5506
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionARBOR LAKES UNIT 1 PB 15 PG 75 LOT 2 BLK Q
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockQ
Legal Lot Number2
Legal Unit1
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup1
Census Block1001
Census Tract450105

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