3908 E Lake Todd Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3908 E Lake Todd 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 2005
Square Footage	1,608 sqft Living Area
Lot Size	7,200 sqft (0.165 acres)
Occupancy	Owner Occupied
Last Sale	$291,000 (2021)
Tax Bill	$2,618.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000N0-010.0

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	3908 E LAKE TODD DR, HERNANDO, FL 34442-5554
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	Dec 03, 2021 · Amount on Record
Deed Sale	Dec 03, 2021 · Amount on Record
Prior Sale	Mar 27, 2002
Deed Doc Number	2021083434
Deed Book / Page	3231 / 908
Record Refreshed	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 03, 2021
Property Address	3908 E LAKE TODD DR, HERNANDO, FL 34442-5554
Document Number	0032310908
Book / Page	3231 / 908
Map Reference	MB 15 PG 75-79
Instrument Date	Dec 03, 2021
Instrument	2021083434
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,037.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 DUNCAN AVE, 54, CORNWALL ON HUDSON, NY 12520-1448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12791 ASPEN LN, ROGERS, MN 55374-4959

Mortgage

Document Number	0003231910
Date	Dec 03, 2021
Instrument	3231/910

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2037

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	$2,618.00 (-4.45%) Homeowner's exemption Additional exemption filed	$205,013 (-5.03%) Land $10,560 Building $194,453	$205,013 (-5.03%) Land $10,560 Building $194,453
2024	$2,740.00 (-1.9%) Homeowner's exemption Additional exemption filed	$215,873 (-0.82%) Land $9,830 Building $206,043	$215,873 (-0.82%) Land $9,830 Building $206,043
2023	$2,793.00 (-6.53%) Homeowner's exemption Additional exemption filed	$217,650 (+10.49%) Land $9,830 Building $207,820	$217,650 (+10.49%) Land $9,830 Building $207,820
2022	$2,988.00 Additional exemption filed	$196,979 Land $9,830 Building $187,149	$196,979 Land $9,830 Building $187,149

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-14-0140-000N0-010.0`
Alternative APNs	`1418S19E0140000N00100` `2849541`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,608 sqft Living Area
1st Floor	1,608 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Gable 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	11 Parking Spaces
Garage Area	456 sqft Garage
Pool Area	240 sqft Pool
Porch	Open Porch
Porch Area	164 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2849541
Old Parcel Number	1418S19E0140000N00100
Street Address	3908 E LAKE TODD DR
City	HERNANDO
State	FL
Zip	34442-5554
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 10 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	13
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	N
Legal Lot Number	10
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1031
Census Tract	450105