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3909 E Lake Todd Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3909 E Lake Todd Dr, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms3 Baths
Year BuiltBuilt 2014
Square Footage2,113 sqft Living Area
Lot Size6,835 sqft (0.156 acres)
OccupancyOwner Occupied
Last Sale$360,000 (2023)
Tax Bill$2,719.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000M0-012.0

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 Record2 Individual Names on File
Co-owner2 Verified Secondary Owners
Mailing Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 16, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 20, 2023Warranty Deed, Transfer
EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I
Oct 20, 2022Deed of Trust, Mortgage · Line of Credit
PNC BANK NA

Assessor's Deed Record

Deed Names4 Verified Names on Deed
Last SaleJun 20, 2023 · Amount on Record
Deed SaleJun 20, 2023 · Amount on Record
Prior SaleJun 20, 2023 · Amount on Record
Deed Doc Number0033881093
Deed Book / Page3388 / 1093
Last Transfer DateNov 16, 2023
Transfer Doc0034250987
Record RefreshedJun 08, 2026

November 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateNov 16, 2023
Property Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555
Document Number0034250987
Book / Page3425 / 987
Map ReferenceMB 15 PG 75-79
Instrument DateNov 10, 2023
Instrument2023066506
Transaction TypeTransfer
Record UpdatedDec 13, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateJun 20, 2023
Property Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555
Document Number0033881093
Book / Page3388 / 1093
Map ReferenceMB 15 PG 75-79
Instrument DateJun 16, 2023
Instrument2023035857
Transaction TypeTransfer
Record UpdatedJul 07, 2023
Title CompanyEXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

AmountAmount Recorded
Tax$2,520.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555
Transaction TypeMortgage
Record UpdatedNov 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3909 E LAKE TODD DR, HERNANDO, FL 34442-5555

Mortgage

Document Number0033282378
DateOct 20, 2022
Book Page3328/2378
Instrument2022071897
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term473 Months
DueMar 07, 2062
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$2,719.00 (+4.9%) Homeowner's exemption Additional exemption filed$299,475 (-3.98%) Land $10,350 Building $289,125$299,475 (-3.98%) Land $10,350 Building $289,125
2024$2,592.00 (+15.61%) Homeowner's exemption Additional exemption filed$311,878 (-1.21%) Land $9,640 Building $302,238$311,878 (-1.21%) Land $9,640 Building $302,238
2023$2,242.00 (+6.97%) Homeowner's exemption Additional exemption filed$315,699 (+13.91%) Land $9,640 Building $306,059$315,699 (+13.91%) Land $9,640 Building $306,059
2022$2,096.00 Homeowner's exemption Additional exemption filed$277,137 Land $9,640 Building $267,497$277,137 Land $9,640 Building $267,497

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 500 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-14-0140-000M0-012.0
Alternative APNs
  • 1418S19E0140000M00120
  • 2970995

Interior

Bedrooms2 Beds
Full Baths3 Baths
Building Area2,113 sqft Living Area
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 2014
Architectural StyleOther Style
Exterior MaterialStucco Exterior
Construction TypeConcrete Blocks Construction
Foundation TypeFooting Foundation
Roof ConstructionHip Roof Construction
Roof MaterialFiberglass Roof
Lot Area6,835 sqft (0.156 acres)
Depth X Width95 ft x 72 ft Depth x Width
Parking Spaces5 Parking Spaces
Garage Area504 sqft Garage
Patio Area286 sqft Patio
PorchOpen Porch
Porch Area296 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number2970995
Old Parcel Number1418S19E0140000M00120
Street Address3909 E LAKE TODD DR
CityHERNANDO
StateFL
Zip34442-5555
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionARBOR LAKES UNIT 1 PB 15 PG 75 LOT 12 BLK M
Legal Range19E
Legal Township18S
Legal Section13
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockM
Legal Lot Number12
Legal Unit1
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup1
Census Block1023
Census Tract450105

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