3915 E Lake Hernando Ln, Hernando, FL 34442 Property Records

Citrus County property record for 3915 E Lake Hernando Ln, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2007
Square Footage	1,311 sqft Living Area
Lot Size	7,657 sqft (0.175 acres)
Occupancy	Owner Occupied
Last Sale	$209,500 (2021)
Tax Bill	$2,332.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000O0-014.0`
Alternative APNs	`1418S19E0140000O00140` `2990821`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,311 sqft Living Area
1st Floor	1,311 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Hip Roof Construction
Roof Material	Fiberglass Roof
Lot Area	7,657 sqft (0.175 acres)
Depth X Width	93 ft x 72 ft Depth x Width
Parking Spaces	7 Parking Spaces
Garage Area	504 sqft Garage
Patio Area	90 sqft Patio
Porch	Enclosed Porch
Porch Area	265 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2990821
Old Parcel Number	1418S19E0140000O00140
Street Address	3915 E LAKE HERNANDO LN
City	HERNANDO
State	FL
Zip	34442-5509
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 14 BLK O
Legal Range	19E
Legal Township	18S
Legal Section	13
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	O
Legal Lot Number	14
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1014
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000O0-014.0

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	3915 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509
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	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Nov 13, 2007 · Amount on Record
Deed Doc Number	0003194476
Deed Book / Page	3194 / 476
Record Refreshed	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 10, 2021
Property Address	3915 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509
Document Number	0031940476
Book / Page	3194 / 476
Map Reference	MB 15 PG 75-79
Instrument Date	Aug 10, 2021
Instrument	2021054998
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	AMERICAN TTL SVCS OF CITRUS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,466.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96 W NORVELL BRYANT HWY HWYB 50, 50, HERNANDO, FL 34442-5112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509

Mortgage

Document Number	0003194478
Date	Aug 10, 2021
Instrument	3194/478

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2041

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	$2,332.00 (+1.52%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$190,665 (-5.05%) Land $10,650 Building $180,015	$190,665 (-5.05%) Land $10,650 Building $180,015
2024	$2,297.00 (+2.73%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$200,803 (-0.79%) Land $9,920 Building $190,883	$200,803 (-0.79%) Land $9,920 Building $190,883
2023	$2,236.00 (+3.86%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$202,405 (+12.43%) Land $9,920 Building $192,485	$202,405 (+12.43%) Land $9,920 Building $192,485
2022	$2,153.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$180,032 Land $9,920 Building $170,112	$180,032 Land $9,920 Building $170,112

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.