Citrus County property record for 3955 E Lake Hernando Ln, Hernando, FL 34442 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2008 |
| Square Footage | 1,618 sqft Living Area |
| Lot Size | 6,841 sqft (0.157 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $190,000 (2020) |
| Tax Bill | $735.00 (2025) |
| Primary APN | 19E-18S-14-0140-000O0-011.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,618 sqft Living Area |
| 1st Floor | 1,618 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Other Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Concrete Blocks Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable 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 | 6 Parking Spaces |
| Garage Area | 528 sqft Garage |
| Patio Area | 120 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 277 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2824531 |
|---|---|
| Old Parcel Number | 1418S19E0140000O00110 |
| Street Address | 3955 E LAKE HERNANDO LN |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5509 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 11 BLK O |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | O |
| Legal Lot Number | 11 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 450105 |
Source: Citrus County records · APN 19E-18S-14-0140-000O0-011.0
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3955 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 03, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage NEW DAY FINANCIAL LLC |
| Apr 16, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 16, 2020 · Amount on Record |
| Deed Sale | Apr 16, 2020 · Amount on Record |
| Prior Sale | Dec 04, 2012 · Amount on Record |
| Deed Doc Number | 2020019919 |
| Deed Book / Page | 3053 / 2144 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3955 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 3955 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509 |
| Document Number | 0032500381 |
|---|---|
| Date | Feb 03, 2022 |
| Book Page | 3250/381 |
| Instrument | 2022007731 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Apr 16, 2020 |
| Property Address | 3955 E LAKE HERNANDO LN, HERNANDO, FL 34442-5509 |
| Document Number | 0030532144 |
| Book / Page | 003053 / 002144 |
| Instrument Date | Apr 09, 2020 |
| Instrument | 19919 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3955 E LAKE HERNANDO LN HERNANDO FL 344425509, HERNANDO, FL 34442-5509 |
| Document Number | 30532145 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | 003053/002145 |
| Instrument | 19920 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2050 |
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 | $735.00 (+9.7%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $215,456 (+1.01%) Land $10,350 Building $205,106 | $215,456 (+1.01%) Land $10,350 Building $205,106 |
| 2024 | $670.00 (+2.45%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $213,309 (-0.09%) Land $9,640 Building $203,669 | $213,309 (-0.09%) Land $9,640 Building $203,669 |
| 2023 | $654.00 (+6%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $213,493 (+11.08%) Land $9,640 Building $203,853 | $213,493 (+11.08%) Land $9,640 Building $203,853 |
| 2022 | $617.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $192,198 Land $9,640 Building $182,558 | $192,198 Land $9,640 Building $182,558 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures