3915 E Lake Todd Dr, Hernando, FL 34442 Property Records

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

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2010
Square Footage	1,256 sqft Living Area
Lot Size	6,835 sqft (0.156 acres)
Occupancy	Owner Occupied
Last Sale	$225,500 (2024)
Tax Bill	$2,865.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000M0-011.0

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	2993 N STIRRUP DR, BEVERLY HILLS, FL 34465-5618
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC
Jul 03, 2019	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) COMMUNITY FIRST CU/FL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	Jul 06, 2021 · Amount on Record
Deed Doc Number	2024054863
Deed Book / Page	3500 / 2360
Record Refreshed	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 06, 2021
Property Address	3915 E LAKE TODD DR, HERNANDO, FL 34442-5555
Document Number	0031821094
Book / Page	3182 / 1094
Map Reference	MB 15 PG 75-79
Instrument Date	Jul 02, 2021
Instrument	2021045975
Transaction Type	Transfer
Record Updated	Aug 02, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3915 E LAKE TODD DR, 3915, HERNANDO, FL 34442-5555

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 E LAKE TODD DR, HERNANDO, FL 34442-5555

Mortgage

Document Number	31821096
Date	Jul 06, 2021
Instrument	3182/1096

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 03, 2019
Property Address	3915 E LAKE TODD DR, HERNANDO, FL 34442-5555
Document Number	0029872167
Book / Page	002987 / 002167
Instrument Date	Jun 27, 2019
Instrument	34628
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	AMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,091.30
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 E LAKE TODD DR HERNANDO FL 344425555, HERNANDO, FL 34442-5555

Mortgage

Document Number	29872169
Date	Jul 03, 2019
Book Page	002987/002169
Instrument	34629

Lender

Name	COMMUNITY FIRST CU/FL
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	180 Months
Due	Jul 02, 2034

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	$2,865.00 (+1.88%) Additional exemption filed	$180,217 (+0.28%) Land $10,350 Building $169,867	$180,217 (+0.28%) Land $10,350 Building $169,867
2024	$2,812.00 (-1.3%)	$179,714 (-1.07%) Land $9,640 Building $170,074	$179,714 (-1.07%) Land $9,640 Building $170,074
2023	$2,849.00 (+13.73%)	$181,659 (+11.14%) Land $9,640 Building $172,019	$181,659 (+11.14%) Land $9,640 Building $172,019
2022	$2,505.00 Additional exemption filed	$163,451 Land $9,640 Building $153,811	$163,451 Land $9,640 Building $153,811

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.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-14-0140-000M0-011.0`
Alternative APNs	`1418S19E0140000M00110` `2963204`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,256 sqft Living Area
1st Floor	1,256 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
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	6,835 sqft (0.156 acres)
Depth X Width	95 ft x 72 ft Depth x Width
Parking Spaces	7 Parking Spaces
Garage Area	440 sqft Garage
Porch	Finished/Screened Porch
Porch Area	180 sqft Porch

Utilities and HVAC

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

Location & Zoning

Account Number	2963204
Old Parcel Number	1418S19E0140000M00110
Street Address	3915 E LAKE TODD DR
City	HERNANDO
State	FL
Zip	34442-5555
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 11 BLK M
Legal Range	19E
Legal Township	18S
Legal Section	13
Legal Subdivision	ARBOR LAKES - UNIT 1
Legal Block	M
Legal Lot Number	11
Legal Unit	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1023
Census Tract	450105

3915 E Lake Todd Dr, Hernando, FL 34442 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on E Lake Todd Dr

Nearby Streets

Search Property Records by Address or Parcel Number