Citrus County property record for 3951 E Spooner Ln, Hernando, FL 34442 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,736 sqft Living Area |
| Lot Size | 869,427 sqft (19.9 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $540,000 (2022) |
| Tax Bill | $7,994.00 (2024) |
Source: Citrus County records · APN 19E-18S-25-42400-00A.0
Assessment roll updated December 3, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3951 E SPOONER LN, HERNANDO, FL 34442-4458 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Mar 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTOPHER PAUL FINANCIAL LLC |
| Feb 07, 2022 | Warranty Deed, Transfer · Stand Alone First Mortgage CONNIE COLE ETAL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 07, 2022 · Amount on Record |
| Deed Sale | Feb 07, 2022 · Amount on Record |
| Prior Sale | Jan 31, 2012 · Amount on Record |
| Deed Doc Number | 20228688 |
| Deed Book / Page | 3251 / 1112 |
| Prior Transfer Date | Oct 26, 2010 |
| Prior Transfer Doc | 0023872262 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3951 E SPOONER LN, HERNANDO, FL 34442-4458 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3951 E SPOONER LN, HERNANDO, FL 34442-4458 |
| Document Number | 0033620232 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 3362/232 |
| Instrument | 2023014486 |
| Name | CHRISTOPHER PAUL FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | NEW PORT RICHEY, FL 34655 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Feb 07, 2022 |
| Property Address | 3951 E SPOONER LN, HERNANDO, FL 34442-4458 |
| Document Number | 0032511112 |
| Book / Page | 3251 / 1112 |
| Instrument Date | Feb 01, 2022 |
| Instrument | 2022008688 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 612 SMITH RD, 612, ONTARIO XX |
| Name | Verified Name |
|---|---|
| Address | 3951 E SPOONER LN, HERNANDO, FL 34442-4458 |
| Document Number | 0032511114 |
|---|---|
| Date | Feb 07, 2022 |
| Instrument | 3251/1114 |
| Name | CONNIE COLE ETAL |
|---|---|
| Type | Private Party |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Mar 01, 2023 |
Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
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 | $7,816.00 (-2.23%) Homeowner's exemption | $551,520 (-2.58%) Land $163,670 Building $387,850 | $551,520 (-2.58%) Land $163,670 Building $387,850 |
| 2024 | $7,994.00 (+1.86%) Homeowner's exemption Additional exemption filed | $566,150 (+2.7%) Land $163,670 Building $402,480 | $566,150 (+2.7%) Land $163,670 Building $402,480 |
| 2023 | $7,848.00 (+12.87%) Homeowner's exemption Additional exemption filed | $551,260 (+7.88%) Land $163,670 Building $387,590 | $551,260 (+7.88%) Land $163,670 Building $387,590 |
| 2022 | $6,953.00 | $510,980 Land $163,670 Building $347,310 | $510,980 Land $163,670 Building $347,310 |
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
| 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 Risk | Moderate above 52% of the US · above 22% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 826 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 19E-18S-25-42400-00A.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,736 sqft Living Area |
| Gross Area | 3,950 sqft Gross Area |
| 1st Floor | 2,340 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 869,427 sqft (19.9 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 1,102 sqft Garage |
| Pool Area | 288 sqft Pool |
|---|---|
| Patio Area | 364 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 582 sqft Porch |
| Outdoor Kitchen Or Brick BBQ | Outdoor Kitchen or Brick BBQ |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 3499636 |
|---|---|
| Street Address | 3951 E SPOONER LN |
| City | HERNANDO |
| State | FL |
| Zip | 34442-4458 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PARCEL A: THE W 697.90 FT OF SW1/4 OF NW1/4SEC 25-18-19 EXCEPT THE W 30 FT & S 25 FT THEREOF TITLE IN OR BK 1457 PG 2044 & OR BK 1493 PG 563 OR BK 2460 PG 1762 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 25 |
| Legal Subdivision | UNREC TRACTS IN 25-18S-19E |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 3 |
| Census Block | 3009 |
| Census Tract | 450800 |
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