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3956 N Bluewater Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3956 N Bluewater Dr, Hernando, FL 34442

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 960 sqft · built 2006
Lot Size0.13 acres (5,652 sqft)
Owner2 Individual Names on File
Last Sale$129,900 (Oct 2020)
Tax Bill$1,133 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Nov 2018 Sale
Flood ZoneZone AE (high risk)
APN19E-18S-14-0110-00380-0940

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0110-00380-0940
Alternative APNs
  • 1418S19E0110003800940
  • 1602181

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area960 sqft Living Area
Gross Area1,100 sqft
1st Floor Area960 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleMobile Home
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeGable
Roof MaterialFiberglass
Lot Area5,652 sqft (0.13 acres)
Lot Dimensions110 ft deep x 45 ft wide
View / LotLake Front

Exterior Amenities

PorchScreened Aluminum Porch
Porch Area140 sqft
Deck Area120 sqft
Patio Area260 sqft
Utility Building110 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1602181
Street Address3956 N BLUEWATER DR
CityHERNANDO
StateFL
Zip34442-3150
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeCLRMH
Legal DescriptionAPACHE SHORES UNIT 11 PB 5 PG 36 LOT 94 BLK 38
Legal Range19E
Legal Township18S
Legal Section13
Legal SubdivisionAPACHE SHORES UNIT 11
Legal Block38
Legal Lot Number94
Legal Unit11
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1001
Census Tract450105

Owner

3956 N Bluewater Dr, a mobile home, is owned and occupied by two individuals who acquired it in July 2024.

Source: Citrus County records, as of March 19, 2026

Owner of Record2 Individual Names on File
Mailing Address3956 N BLUEWATER DR, HERNANDO, FL 34442-3150
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 16, 2020Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 19, 2018Warranty Deed, Transfer
AMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 16, 2020 · Amount on File
Deed SaleOct 16, 2020 · Amount on File
Prior SaleNov 19, 2018 · Amount on File
Deed Document Number202055898
Deed Book / Page3100 / 1481
Last Transfer DateJul 16, 2024
Transfer Doc0034851473
Record UpdatedSep 20, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateOct 16, 2020
Property Address3956 N BLUEWATER DR, HERNANDO, FL 34442-3150
Document Number0031001481
Book / Page3100 / 1481
Map ReferenceMB 5 PG 36
Instrument DateOct 16, 2020
Instrument2020055898
Transaction TypeTransfer
Record UpdatedNov 30, 2021
Title CompanyAMERICAN TTL SVCS OF CITRUS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$909.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8318 OLD TOWN DR, 8318, TAMPA, FL 33647-3334

Transferred To (Grantee/Buyer)

NameVerified Name
Address3956 N BLUEWATER DR, HERNANDO, FL 34442-3150

Mortgage

Document Number31001483
DateOct 16, 2020
Instrument3100/1483
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateNov 19, 2018
Property Address3956 N BLUEWATER DR, HERNANDO, FL 34442-3150
Document Number0029400634
Book / Page002940 / 000634
Instrument DateNov 19, 2018
Instrument58211
Transaction TypeTransfer
Record UpdatedDec 21, 2018
Title CompanyAMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

AmountAmount on Record
Tax$560.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8318 OLD TOWN DR TAMPA FL 336473334, TAMPA, FL 33647-3334

Tax Assessment & Valuation

The 2025 property tax bill for 3956 N Bluewater Dr was $1,133, up 7.9% from the year before.

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,133.00 (+7.9%)$104,785 (-26.48%)$147,909 (+3.78%) Land $22,310 Building $125,599
2024$1,050.00 (+3.35%) Homeowner's exemption Additional exemption filed$142,524 (+4.44%) Land $16,280 Building $126,244$142,524 (+4.44%) Land $16,280 Building $126,244
2023$1,016.00 (+7.06%) Homeowner's exemption Additional exemption filed$136,467 (+7.08%) Land $16,280 Building $120,187$136,467 (+7.08%) Land $16,280 Building $120,187
2022$949.00 Homeowner's exemption Additional exemption filed$127,440 Land $15,230 Building $112,210$127,440 Land $15,230 Building $112,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3956 N Bluewater Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation41.3 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 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

Wildfire risk around 3956 N Bluewater Dr is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 67% of the US · above 47% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemROLLING OAKS SUBDIVISION
public/private · serves 11,572 people · EPA ID FL6090150
Water SourceGroundwater
Last State InspectionFeb 2026
Lead2 ppb (2020)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting10
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 176 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

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