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3908 N Ranch Pass Ter, Hernando, FL 34442 Property Records

Citrus County property record for 3908 N Ranch Pass Ter, Hernando, FL 34442

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 2,080 sqft · built 1991
Lot Size0.647 acres (28,179 sqft)
Owner2 Individual Names on File
Last Sale$202,000 (Jun 2026)
Tax Bill$565 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Nov 2025 Sale
Flood ZoneZone X (minimal risk)
APN1318S19E00300240

Property Details

APN / Parcel Number

Primary APN1318S19E00300240
Alternative APNs
  • 19E-18S-13-0030-00000-0240
  • 19E-18S-13-0030-024.0
  • 1902312

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,080 sqft Living Area
1st Floor Area1,120 sqft

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleMobile Home
Exterior MaterialWood Siding
Construction TypeWood
Roof MaterialMetal
Lot Area28,179 sqft (0.647 acres)
Garage TypeCarport
Garage Area252 sqft
CarportCarport
Carport Area252 sqft

Exterior Amenities

PorchEnclosed Vinyl Porch
Porch Area1,079 sqft
Patio Area240 sqft
Utility Building130 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number1902312
Street Address3908 N RANCH PASS TER
CityHERNANDO
StateFL
Zip34442-3107
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeCLRMH
Legal DescriptionLAKE PARK LOTS 24 & 25 DESC IN OR BK 576 PGS 1634 & 1637 & EASM IN OR BK 603 PGS 2132 & 2156
Legal Range19E
Legal Township18S
Legal Section13
Legal SubdivisionLAKE PARK
Legal Lot Number24,25
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1015
Census Tract450105

Owner

Source: Citrus County records, as of July 7, 2026

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

Owner of Record2 Individual Names on File
Mailing Address3908 N RANCH PASS TER, HERNANDO, FL 34442-3107
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jun 24, 2026Warranty Deed, Transfer · FHA Mortgage
KIND LENDING LLC
Nov 3, 2025Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 24, 2026 · Amount on File
Deed SaleJun 24, 2026 · Amount on File
Prior SaleNov 3, 2025 · Amount on File
Deed Document Number202637365
Deed Book / Page3682 / 1106
Record UpdatedOct 29, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJun 24, 2026
Property Address3908 N RANCH PASS TER, HERNANDO, FL 34442-3107
Document Number0000037365
Book / Page3682 / 1106
Instrument DateJun 15, 2026
Instrument202637365
Transaction TypeTransfer
Record UpdatedJul 7, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$142,814.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000037366,
DateJun 24, 2026
Instrument202637366
Lender
NameKIND LENDING LLC
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2056
Interest
Rate6.36%
Max Rate-1%

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateNov 3, 2025
Property Address3908 N RANCH PASS TER, HERNANDO, FL 34442-3107
Document Number0036160869
Book / Page3616 / 869
Map ReferenceMB 11 PG 116-117
Instrument DateNov 3, 2025
Instrument2025066851
Transaction TypeTransfer
Record UpdatedApr 23, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$714.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5480 N STATE ROAD 5, SHIPSHEWANA, IN 46565-9763

Transferred To (Grantee/Buyer)

NameVerified Name
Address240 LOOKOUT PL, MAITLAND, FL 32751-4492

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$565.00 (+13.23%)$47,166 (-64.89%)$135,364 (+0.76%) Land $15,000 Building $120,364
2024$499.00 (+8.95%) Homeowner's exemption Additional exemption filed$134,337 (+41.62%) Land $15,000 Building $119,337$134,337 (+41.62%) Land $15,000 Building $119,337
2023$458.00 (+6.76%) Homeowner's exemption Additional exemption filed$94,860 (+4.89%) Land $15,000 Building $79,860$94,860 (+4.89%) Land $15,000 Building $79,860
2022$429.00 Homeowner's exemption Additional exemption filed$90,440 Land $10,000 Building $80,440$90,440 Land $10,000 Building $80,440

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 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

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

Wildfire RiskModerate
above 57% of the US · lower than 69% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach

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 SystemROLLING OAKS SUBDIVISION
public/private · serves 11,572 people · EPA ID FL6090150
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 89 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000

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