Citrus County property record for 3962 E Lake Hernando Ln, Hernando, FL 34442 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 1,380 sqft Living Area |
| Lot Size | 6,840 sqft (0.157 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $148,000 (2017) |
| Tax Bill | $990.00 (2024) |
Source: Citrus County records · APN 19E-18S-14-0140-000P0-0050
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 Individual Names on File |
|---|---|
| Mailing Address | 3962 E LAKE HERNANDO LN, HERNANDO, FL 34442-5508 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on Record |
| Deed Sale | Jul 14, 2017 · Amount on Record |
| Prior Sale | Aug 29, 2014 · Amount on Record |
| Deed Doc Number | 201732577 |
| Deed Book / Page | 2840 / 1956 |
| Last Transfer Date | Jul 24, 2025 |
| Transfer Doc | 0035871191 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 3962 E LAKE HERNANDO LN, HERNANDO, FL 34442-5508 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0032331135 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 3233/1135 |
| Instrument | 2021085002 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jul 14, 2017 |
| Property Address | 3962 E LAKE HERNANDO LN, HERNANDO, FL 34442-5508 |
| Document Number | 0028401956 |
| Book / Page | 002840 / 001956 |
| Instrument Date | Jul 13, 2017 |
| Instrument | 32577 |
| Transaction Type | Transfer |
| Record Updated | Aug 02, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,036.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3962 E LAKE HERNANDO LN HERNANDO FL 344425508, HERNANDO, FL 34442-5508 |
| Document Number | 28401957 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 002840/001957 |
| Instrument | 32578 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
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 | $1,074.00 (+8.48%) | $105,856 (-42.49%) | $178,922 (-2.79%) Land $10,350 Building $168,572 |
| 2024 | $990.00 (+3.66%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $184,051 (-4.03%) Land $9,640 Building $174,411 | $184,051 (-4.03%) Land $9,640 Building $174,411 |
| 2023 | $955.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $191,780 (+13.52%) Land $9,640 Building $182,140 | $191,780 (+13.52%) Land $9,640 Building $182,140 |
| 2022 | $955.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $168,937 Land $9,640 Building $159,297 | $168,937 Land $9,640 Building $159,297 |
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-14-0140-000P0-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,980 sqft Gross Area |
| 1st Floor | 1,380 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 6,840 sqft (0.157 acres) |
| Depth X Width | 95 ft x 72 ft Depth x Width |
| Parking Spaces | 6 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 480 sqft Garage |
| Patio Area | 288 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 180 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2850515 |
|---|---|
| Street Address | 3962 E LAKE HERNANDO LN |
| City | HERNANDO |
| State | FL |
| Zip | 34442-5508 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ARBOR LAKES UNIT 1 PB 15 PG 75 LOT 5 BLK P |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | ARBOR LAKES - UNIT 1 |
| Legal Block | P |
| Legal Lot Number | 5 |
| Legal Unit | 1 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 450105 |
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