3940 N Indianhead Rd, Hernando, FL 34442 Property Records

Citrus County property record for 3940 N Indianhead Rd, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 1995
Lot Size	1.12 acres (48,928 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Nov 2014)
Tax Bill	$2,182 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000F0-036.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000F0-036.0`
Alternative APNs	`1718S19E0010000F00360` `2358114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,902 sqft Living Area
1st Floor Area	1,938 sqft
Flooring	Wood

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	48,928 sqft (1.12 acres)
Garage Area	529 sqft
Parking Spaces	10 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	304 sqft
Patio Area	145 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2358114
Old Parcel Number	1718S19E0010000F00360
Street Address	3940 N INDIANHEAD RD
City	HERNANDO
State	FL
Zip	34442-2874
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 36 BLK F
Legal Range	19E
Legal Township	18S
Legal Section	17
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	F
Legal Lot Number	36
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2009
Census Tract	450104

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
Mailing Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 23, 2021	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 17, 2019	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2014 · Amount on Record
Deed Sale	Nov 21, 2014 · Amount on Record
Prior Sale	Aug 29, 2014
Deed Document Number	2014051727
Deed Book / Page	2657 / 0277
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874

Mortgage

Document Number	0032790624
Date	Apr 29, 2022
Book Page	3279/624
Instrument	2022030934

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874

Mortgage

Document Number	0031780820
Date	Jun 23, 2021
Book Page	3178/820
Instrument	2021043130

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	3940 N INDIANHEAD RD, HERNANDO, FL 34442-2874
Document Number	0030030538
Instrument Date	Aug 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 N INDJANHEAD RD HERNANDO FL 34442, HERNANDO, FL 34442

Mortgage

Document Number	0030030538
Date	Sep 10, 2019
Book Page	003003/000538
Instrument	47220

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2049

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	$2,182.00 (+5.41%) Homeowner's exemption Additional exemption filed	$309,887 (+0.26%) Land $33,500 Building $276,387	$309,887 (+0.26%) Land $33,500 Building $276,387
2024	$2,070.00 (+10.34%) Homeowner's exemption Additional exemption filed	$309,093 (+4.47%) Land $33,500 Building $275,593	$309,093 (+4.47%) Land $33,500 Building $275,593
2023	$1,876.00 (+6.89%) Homeowner's exemption Additional exemption filed	$295,866 (+11.6%) Land $31,500 Building $264,366	$295,866 (+11.6%) Land $31,500 Building $264,366
2022	$1,755.00 Homeowner's exemption Additional exemption filed	$265,120 Land $21,500 Building $243,620	$265,120 Land $21,500 Building $243,620

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 101 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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