3914 E Lake Bellamy Ln, Hernando, FL 34442 Property Records

Citrus County property record for 3914 E Lake Bellamy Ln, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,559 sqft · built 2003
Lot Size	0.211 acres (9,180 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (May 2003)
Tax Bill	$1,494 (2025)
Deeds & Mortgages	May 2021 Transfer Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-14-0150-000M0-0040`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0150-000M0-0040`
Alternative APNs	`1418S19E0150000M00040` `2941219`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,559 sqft Living Area
Gross Area	2,229 sqft
1st Floor Area	1,559 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2013
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,180 sqft (0.211 acres)
Lot Dimensions	110 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	6 Parking Spaces
Pool Area	208 sqft
Porch	Finished/Screened Porch
Porch Area	254 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2941219
Street Address	3914 E LAKE BELLAMY LN
City	HERNANDO
State	FL
Zip	34442-5569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR
Legal Description	ARBOR LAKES UNIT II PB 16 PG 99 LOT 4 BLK M
Legal Range	19E
Legal Township	18S
Legal Section	13
Legal Subdivision	ARBOR LAKES - UNIT 2
Legal Block	M
Legal Lot Number	4
Legal Unit	II
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1023
Census Tract	450105

Owner

3914 E Lake Bellamy Ln is owned and occupied by two individuals who acquired it in May 2021.

Source: Citrus County records, as of March 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569
Occupancy	Owner Occupied
Owner Type	Individual

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
May 20, 2021	Intrafamily Transfer, Transfer ATTORNEY
Apr 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Feb 1, 2021	Intrafamily Transfer, Transfer ATTORNEY
May 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2003 · Amount on File
Deed Sale	May 13, 2003 · Amount on File
Deed Document Number	200328160
Deed Book / Page	1600 / 564
Last Transfer Date	May 20, 2021
Transfer Doc	0031661465
Record Updated	Jun 8, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	May 20, 2021
Property Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569
Document Number	0031661465
Book / Page	3166 / 1465
Map Reference	MB 16 PG 99
Instrument Date	May 20, 2021
Instrument	2021033928
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Apr 16, 2021
Property Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569
Document Number	0031550929
Book / Page	3155 / 929
Map Reference	MB 16 PG 99
Instrument Date	Apr 12, 2021
Instrument	2021025201
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	MAMMOTH TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569

Mortgage

Document Number	0003155931
Date	Apr 16, 2021
Instrument	3155/931

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Feb 1, 2021
Property Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569
Document Number	0031301486
Book / Page	3130 / 1486
Map Reference	MB 16 PG 99
Instrument Date	Jan 28, 2021
Instrument	2021005979
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3914 E LAKE BELLAMY LN, HERNANDO, FL 34442-5569
Document Number	0028312127
Book / Page	002831 / 002127
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 22, 2017
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3914 E LAKE BELLAMY LN HERNANDO FL 344425569, HERNANDO, FL 34442-5569

Mortgage

Document Number	0028312127
Date	May 30, 2017
Book Page	002831/002127
Instrument	25117

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3914 E Lake Bellamy Ln was $1,494 with a homeowner's exemption, up 6.6% from the year before.

Source: Citrus County assessment roll, as of December 3, 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	$1,494.00 (+6.64%) Homeowner's exemption	$129,196 (-41.74%)	$231,137 (+4.24%) Land $12,160 Building $218,977
2024	$1,401.00 (+3.09%) Homeowner's exemption Additional exemption filed	$221,740 (-0.56%) Land $11,320 Building $210,420	$221,740 (-0.56%) Land $11,320 Building $210,420
2023	$1,359.00 (+6.92%) Homeowner's exemption Additional exemption filed	$222,989 (+10.4%) Land $11,320 Building $211,669	$222,989 (+10.4%) Land $11,320 Building $211,669
2022	$1,271.00 Homeowner's exemption Additional exemption filed	$201,974 Land $11,320 Building $190,654	$201,974 Land $11,320 Building $190,654

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

Flood

FEMA maps place 3914 E Lake Bellamy Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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 3914 E Lake Bellamy Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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 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 133 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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