3863 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3863 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,288 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Occupancy	Owner Occupied
Last Sale	$103,000 (2015)
Tax Bill	$1,327.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000N0-023.0

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3863 E ARBOR LAKES DR, HERNANDO, FL 34442-5503
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 22, 2015 · Amount on Record
Deed Sale	May 22, 2015 · Amount on Record
Prior Sale	Feb 12, 2013 · Amount on Record
Deed Doc Number	2015024209
Deed Book / Page	2690 / 2226
Record Refreshed	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3863 E ARBOR LAKES DR, HERNANDO, FL 34442-5503
Document Number	0030060298
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3863 E ARBOR LAKES DR HERNANDO FL 344425503, HERNANDO, FL 34442-5503

Mortgage

Document Number	0030060298
Date	Sep 23, 2019
Book Page	003006/000298
Instrument	49731

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	156 Months
Due	Sep 22, 2032

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	$1,327.00 (+7.28%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$174,880 (-2.85%) Land $10,560 Building $164,320	$174,880 (-2.85%) Land $10,560 Building $164,320
2024	$1,237.00 (+3.43%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$180,012 (-3.14%) Land $9,830 Building $170,182	$180,012 (-3.14%) Land $9,830 Building $170,182
2023	$1,196.00 (+1.27%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$185,851 (+13.19%) Land $9,830 Building $176,021	$185,851 (+13.19%) Land $9,830 Building $176,021
2022	$1,181.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$164,195 Land $9,830 Building $154,365	$164,195 Land $9,830 Building $154,365

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 AE, 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.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000N0-023.0`
Alternative APNs	`1418S19E0140000N00230` `3157362`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,288 sqft Living Area
1st Floor	1,288 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	462 sqft Garage
Patio Area	60 sqft Patio
Porch	Enclosed Porch
Porch Area	190 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	3157362
Old Parcel Number	1418S19E0140000N00230
Street Address	3863 E ARBOR LAKES DR
City	HERNANDO
State	FL
Zip	34442-5503
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 23 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	14
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	N
Legal Lot Number	23
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1031
Census Tract	450105