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3874 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3874 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2009
Square Footage1,819 sqft Living Area
Lot Size6,840 sqft (0.157 acres)
OccupancyOwner Occupied
Last Sale$330,000 (2026)
Tax Bill$2,287.00 (2024)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000Q0-0040

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 Record2 Company Names on File
Mailing Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingOwner is a Trust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 06, 2026Warranty Deed, Transfer · Conventional Mortgage
USAA FSB
Feb 11, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 11, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Mar 29, 2022Warranty Deed, Transfer
FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC
Jul 26, 2019Warranty Deed, Transfer · Conventional Mortgage
HIAWATHA NATIONAL BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2026 · Amount on Record
Deed SaleFeb 06, 2026 · Amount on Record
Prior SaleMar 29, 2022 · Amount on Record
Deed Doc Number20267091
Deed Book / Page3640 / 2490
Prior Transfer DateApr 07, 2022
Prior Transfer Doc0032721382
Record RefreshedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateFeb 06, 2026
Property Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0036402490
Book / Page3640 / 2490
Map ReferenceMB 15 PG 75-79
Instrument DateFeb 04, 2026
Instrument2026007091
Transaction TypeTransfer
Record UpdatedFeb 19, 2026
Title CompanyCITRUS TITLE CO LLC, CITRUS TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address177 EDGEWATER DR, BILOXI, MS 39531-4708

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust

Mortgage

Document Number0000036411
DateFeb 06, 2026
Instrument3641/1
Lender
NameUSAA FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

February 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateFeb 11, 2025
Property Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0035390388
Book / Page3539 / 388
Map ReferenceMB 15 PG 75-79
Instrument DateFeb 11, 2025
Instrument2025008234
Transaction TypeTransfer
Record UpdatedFeb 19, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateApr 11, 2022
Property Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0032721382
Book / Page3272 / 1382
Map ReferenceMB 15 PG 75-79
Instrument DateApr 07, 2022
Instrument2022025528
Transaction TypeTransfer
Record UpdatedFeb 19, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address874 E ARBOR LAKES DRIVE, HERNANDO, FL 34442

Transferred To (Grantee/Buyer)

NameVerified Name
Address874 E ARBOR LAKES DRIVE, HERNANDO, FL 34442

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateMar 29, 2022
Property Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0032680444
Book / Page3268 / 444
Map ReferenceMB 15 PG 75-79
Instrument DateMar 29, 2022
Instrument2022022190
Transaction TypeTransfer
Record UpdatedFeb 19, 2026
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
Tax$2,275.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address268 N KINGLET AVE, HERNANDO, FL 34442-3201

Transferred To (Grantee/Buyer)

NameVerified Name
Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJul 26, 2019
Property Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506
Document Number0029922445
Book / Page2992 / 2445
Map ReferenceMB 15 PG 75
Instrument DateJul 19, 2019
Instrument2019038753
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,592.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address30 WOODAVEN DR TILLSONBURG ON N4G 0A5, 30, XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address3874 E ARBOR LAKES DR, HERNANDO, FL 34442-5506

Mortgage

Document Number29922446
DateJul 26, 2019
Instrument2992-2446
Lender
NameHIAWATHA NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

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$2,332.00 (+1.97%) Homeowner's exemption Disabled Person's exemption$190,700 (-23.12%)$236,229 (-4.76%) Land $10,920 Building $225,309
2024$2,287.00 (+2.65%) Homeowner's exemption Additional exemption filed$248,035 (-0.32%) Land $10,920 Building $237,115$248,035 (-0.32%) Land $10,920 Building $237,115
2023$2,228.00 (+18.38%) Homeowner's exemption Additional exemption filed$248,825 (+24.05%) Land $10,920 Building $237,905$248,825 (+24.05%) Land $10,920 Building $237,905
2022$1,882.00 Homeowner's exemption Additional exemption filed$200,589 Land $10,920 Building $189,669$200,589 Land $10,920 Building $189,669

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-14-0140-000Q0-0040
Alternative APNs
  • 1418S19E0140000Q00040
  • 2891238

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,819 sqft Living Area
Gross Area2,503 sqft Gross Area
1st Floor1,819 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2009
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 Area504 sqft Garage
PorchEnclosed Porch
Porch Area220 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number2891238
Street Address3874 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 4 BLK Q
Legal Range19E
Legal Township18S
Legal Section14
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockQ
Legal Lot Number4
Legal Unit1
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup1
Census Block1001
Census Tract450105

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