3908 N Monadnock Rd, Hernando, FL 34442 Property Records

Citrus County property record for 3908 N Monadnock Rd, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,683 sqft · built 1995
Lot Size	1 acres (43,885 sqft)
Owner	2 Trust Names on File
Last Sale	$305,000 (Feb 2022)
Tax Bill	$6,210 (2025)
Deeds & Mortgages	Feb 2022 Sale Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000K0-025.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000K0-025.0`
Alternative APNs	`1718S19E0010000K00250` `2357932`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,683 sqft Living Area
1st Floor Area	2,683 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	43,885 sqft (1 acres)
Garage Area	792 sqft
Parking Spaces	9 Parking Spaces
Pool Area	336 sqft
Porch	Open Porch
Porch Area	212 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2357932
Old Parcel Number	1718S19E0010000K00250
Street Address	3908 N MONADNOCK RD
City	HERNANDO
State	FL
Zip	34442-6519
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 25 BLK K
Legal Range	19E
Legal Township	18S
Legal Section	17
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	K
Legal Lot Number	25
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2006
Census Tract	450104

Owner

3908 N Monadnock Rd is held in a trust since February 2022.

Source: Citrus County records, as of December 10, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	10135 NW 27TH DR, WILDWOOD, FL 34785-7684
Owner Type	Company, Secondary Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Warranty Deed, Transfer ATTORNEY
Aug 26, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Prior Sale	Aug 26, 2020 · Amount on File
Deed Document Number	2022007211
Deed Book / Page	3249 / 1317
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 1, 2022
Property Address	3908 N MONADNOCK RD, HERNANDO, FL 34442-6519
Document Number	0032491317
Book / Page	3249 / 1317
Map Reference	MB 12 PG 49
Instrument Date	Jan 26, 2022
Instrument	2022007211
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3908 N MONADNOCK RD, 3908, HERNANDO, FL 34442-6519

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	17403 HICKOK BELT LOOP, BRADENTON, FL 34211-2551

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 26, 2020
Property Address	3908 N MONADNOCK RD, HERNANDO, FL 34442-6519
Document Number	0030860225
Book / Page	3086 / 225
Map Reference	MB 12 PG 49-60
Instrument Date	Aug 20, 2020
Instrument	2020044682
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3908 N MONADNOCK RD, 3908, HERNANDO, FL 34442-6519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 N MONADNOCK RD, HERNANDO, FL 34442-6519

Mortgage

Document Number	3086227
Date	Aug 26, 2020
Instrument	3086/227

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3908 N Monadnock Rd was $6,210, up 1.2% from the year before.

Source: Citrus County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,210.00 (+1.19%)	$401,820 (+0.47%) Land $33,500 Building $368,320	$401,820 (+0.47%) Land $33,500 Building $368,320
2024	$6,137.00 (+0.36%) Additional exemption filed	$399,922 (+1.35%) Land $33,500 Building $366,422	$399,922 (+1.35%) Land $33,500 Building $366,422
2023	$6,115.00 (+26.87%) Additional exemption filed	$394,610 (+11.56%) Land $31,500 Building $363,110	$394,610 (+11.56%) Land $31,500 Building $363,110
2022	$4,820.00	$353,720 Land $21,500 Building $332,220	$353,720 Land $21,500 Building $332,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3908 N Monadnock Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

Wildfire risk around 3908 N Monadnock Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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