392 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 392 W Keller St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,350 sqft · built 1989
Lot Size	0.974 acres (42,465 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Apr 2013)
Tax Bill	$2,048 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00420-003.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00420-003.0`
Alternative APNs	`1818S19E0110004200030` `2300833`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,350 sqft Living Area
1st Floor Area	2,350 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1989
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	42,465 sqft (0.974 acres)
Lot Dimensions	291 ft deep x 150 ft wide
Garage Area	736 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Finished/Screened Porch
Porch Area	458 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2300833
Old Parcel Number	1818S19E0110004200030
Street Address	392 W KELLER ST
City	HERNANDO
State	FL
Zip	34442-4852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR CENTRAL RIDGE RESIDEN
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 3 BLK 42
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	42
Legal Lot Number	3
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3012
Census Tract	450703

Owner

Source: Citrus County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	392 W KELLER ST, HERNANDO, FL 34442-4852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
May 10, 2019	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Feb 6, 2017	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2013 · Amount on Record
Deed Sale	Apr 16, 2013 · Amount on Record
Prior Sale	Mar 21, 2002 · Amount on Record
Deed Document Number	2013018184
Deed Book / Page	2546 / 2062
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	392 W KELLER ST, HERNANDO, FL 34442-4852
Document Number	0030660342
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	392 W KELLER ST HERNANDO FL 344424852, HERNANDO, FL 34442-4852

Mortgage

Document Number	0030660342
Date	Jun 9, 2020
Book Page	003066/000342
Instrument	29401

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	392 W KELLER ST, HERNANDO, FL 34442-4852
Document Number	0029762202
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	392 W KELLER ST HERNANDO FL 344424852, HERNANDO, FL 34442-4852

Mortgage

Document Number	0029762202
Date	May 17, 2019
Book Page	002976/002202
Instrument	25345

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 16, 2044

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	392 W KELLER ST, HERNANDO, FL 34442-4852
Document Number	0028102197
Book / Page	002810 / 002197
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Mar 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	392 W KELLER ST HERNANDO FL 344424852, HERNANDO, FL 34442-4852

Mortgage

Document Number	0028102197
Date	Feb 15, 2017
Book Page	002810/002197
Instrument	7001

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 14, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 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	$2,048.00 (+5.62%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$296,190 (-4.13%) Land $31,000 Building $265,190	$296,190 (-4.13%) Land $31,000 Building $265,190
2024	$1,939.00 (+2.81%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$308,947 (-0.33%) Land $29,500 Building $279,447	$308,947 (-0.33%) Land $29,500 Building $279,447
2023	$1,886.00 (+3.06%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$309,977 (+21.31%) Land $25,500 Building $284,477	$309,977 (+21.31%) Land $25,500 Building $284,477
2022	$1,830.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$255,516 Land $17,250 Building $238,266	$255,516 Land $17,250 Building $238,266

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people · EPA ID FL6094948
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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