3940 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3940 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 960 sqft · built 1981
Lot Size	0.45 acres (19,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Sep 2023)
Tax Bill	$2,082 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`19E-17S-36-0010-00210-0700`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-0700`
Alternative APNs	`3617S19E0010002100700` `1582253`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,606 sqft (0.45 acres)
Lot Dimensions	246 ft deep x 36 ft wide
View / Lot	Canal Front
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft

Exterior Amenities

Porch	Slab
Porch Area	584 sqft
Patio Area	500 sqft
Utility Building	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1582253
Street Address	3940 E SHOREWOOD DR
City	HERNANDO
State	FL
Zip	34442-2581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	RIVER LAKES MANOR UNIT 1 PB 3 PG 96 LOT 70 BLK 21
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	70
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2010
Census Tract	450105

Owner

Source: Citrus County records, as of August 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Warranty Deed, Transfer · Commercial Mortgage GARY L BLACKWEL TRUST
Oct 9, 2018	Warranty Deed, Transfer NORTH CTRL FL TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Oct 16, 2006
Deed Document Number	202355900
Deed Book / Page	3412 / 2433
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 26, 2023
Property Address	3940 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Document Number	0034122433
Book / Page	3412 / 2433
Map Reference	MB 3 PG 96-101
Instrument Date	Sep 25, 2023
Instrument	2023055900
Transaction Type	Transfer
Record Updated	Oct 16, 2023
Title Company	AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	791 E HARTFORD ST # ST3B, ST3B, HERNANDO, FL 34442-8264

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581

Mortgage

Document Number	0034122435
Date	Sep 26, 2023
Instrument	3412/2435

Lender

Name	GARY L BLACKWEL TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 25, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 9, 2018
Property Address	3940 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Document Number	0029320110
Book / Page	002932 / 000110
Instrument Date	Oct 4, 2018
Instrument	51164
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	NORTH CTRL FL TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$647.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 E SHOREWOOD DR HERNANDO FL 344422581, HERNANDO, FL 34442-2581

Tax Assessment & Valuation

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	$2,082.00 (-2.12%)	$126,210 (-4.64%) Land $15,570 Building $110,640	$126,210 (-4.64%) Land $15,570 Building $110,640
2024	$2,127.00 (+273.81%)	$132,355 (+6.74%) Land $15,570 Building $116,785	$132,355 (+6.74%) Land $15,570 Building $116,785
2023	$569.00 (+4.21%) Homeowner's exemption Additional exemption filed	$123,998 (+1.41%) Land $14,640 Building $109,358	$123,998 (+1.41%) Land $14,640 Building $109,358
2022	$546.00 Homeowner's exemption Additional exemption filed	$122,274 Land $13,040 Building $109,234	$122,274 Land $13,040 Building $109,234

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	41.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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