Citrus County property record for 3954 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,383 sqft Living Area |
| Lot Size | 6,841 sqft (0.157 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $249,000 (2022) |
| Tax Bill | $2,207.00 (2025) |
Source: Citrus County records · APN 19E-18S-14-0140-000O0-004.0
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 | 3954 E ARBOR LAKES DR, HERNANDO, FL 34442-5506 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2022 · Amount on Record |
| Deed Sale | May 17, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2021 · Amount on Record |
| Deed Doc Number | 2022035545 |
| Deed Book / Page | 3284 / 1884 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 17, 2022 |
| Property Address | 3954 E ARBOR LAKES DR, HERNANDO, FL 34442-5506 |
| Document Number | 0032841884 |
| Book / Page | 3284 / 1884 |
| Map Reference | MB 15 PG 75-79 |
| Instrument Date | May 16, 2022 |
| Instrument | 2022035545 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2022 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,743.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3955 E ARBOR LAKES DR, 3955, HERNANDO, FL 34442-5586 |
| Name | Verified Name |
|---|---|
| Address | 3954 E ARBOR LAKES DR, HERNANDO, FL 34442-5506 |
| Document Number | 0032841886 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 3284/1886 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Sep 30, 2021 |
| Property Address | 3954 E ARBOR LAKES DR, HERNANDO, FL 34442-5506 |
| Document Number | 0032102447 |
| Book / Page | 3210 / 2447 |
| Map Reference | MB 15 PG 75-79 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 2021067703 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11385 SW 136TH PL, 11385, DUNNELLON, FL 34432-8733 |
| Name | Verified Name |
|---|---|
| Address | 3954 E ARBOR LAKES DR, HERNANDO, FL 34442-5506 |
| Document Number | 32102449 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 3210/2449 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,207.00 (-2.17%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $182,295 (-3.14%) Land $10,350 Building $171,945 | $182,295 (-3.14%) Land $10,350 Building $171,945 |
| 2024 | $2,256.00 (-1.96%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed | $188,212 (-0.81%) Land $9,640 Building $178,572 | $188,212 (-0.81%) Land $9,640 Building $178,572 |
| 2023 | $2,301.00 (-4.88%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed | $189,754 (+20.47%) Land $9,640 Building $180,114 | $189,754 (+20.47%) Land $9,640 Building $180,114 |
| 2022 | $2,419.00 Additional exemption filed | $157,512 Land $9,640 Building $147,872 | $157,512 Land $9,640 Building $147,872 |
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 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.
| Primary APN | 19E-18S-14-0140-000O0-004.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,383 sqft Living Area |
| 1st Floor | 1,383 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| 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 | 6,841 sqft (0.157 acres) |
| Depth X Width | 95 ft x 72 ft Depth x Width |
| Parking Spaces | 5 Parking Spaces |
| Garage Area | 462 sqft Garage |
| Porch | Finished/Screened Porch |
| Porch Area | 186 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2768177 |
|---|---|
| Old Parcel Number | 1418S19E0140000O00040 |
| Street Address | 3954 E ARBOR LAKES DR |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5506 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 4 BLK O |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | O |
| Legal Lot Number | 4 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 450105 |
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