3965 N Indianriver Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3965 N Indianriver Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,823 sqft · built 2005
Lot Size	1.14 acres (49,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Feb 2021)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000N0-032.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000N0-032.0`
Alternative APNs	`1718S19E0010000N00320` `2844451`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,823 sqft Living Area
1st Floor Area	1,818 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	49,854 sqft (1.14 acres)
Garage Area	588 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	292 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2844451
Old Parcel Number	1718S19E0010000N00320
Street Address	3965 N INDIANRIVER DR
City	HERNANDO
State	FL
Zip	34442-4542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	FAIRVIEW ESTS PB 12 PG 49 LOT 32 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	17
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	N
Legal Lot Number	32
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2004
Census Tract	450104

Owner

Source: Citrus County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3965 N INDIANRIVER DR, HERNANDO, FL 34442-4542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2021 · Amount on Record
Deed Sale	Feb 27, 2021 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	0003132986
Deed Book / Page	3132 / 986
Prior Transfer Date	Feb 5, 2021
Prior Transfer Doc	2021007352
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 5, 2021
Property Address	3965 N INDIANRIVER DR, HERNANDO, FL 34442-4542
Document Number	0031320986
Book / Page	3132 / 986
Map Reference	MB 12 PG 49-60
Instrument Date	Jan 24, 2021
Instrument	2021007352
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	CITRUS TITLE CO LLC, CITRUS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,673.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2212 LOTUS AVE, 2212, FORT WORTH, TX 76111-1631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 N INDIANRIVER DR, HERNANDO, FL 34442-4542

Mortgage

Document Number	3132988
Date	Feb 5, 2021
Instrument	3132/988

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,997.00 (+4.31%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$303,308 (-1.68%) Land $33,500 Building $269,808	$303,308 (-1.68%) Land $33,500 Building $269,808
2024	$3,832.00 (+2.46%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$308,485 (+1.51%) Land $33,500 Building $274,985	$308,485 (+1.51%) Land $33,500 Building $274,985
2023	$3,740.00 (+14.41%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$303,902 (+16.6%) Land $31,500 Building $272,402	$303,902 (+16.6%) Land $31,500 Building $272,402
2022	$3,269.00 Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$260,630 Land $21,500 Building $239,130	$260,630 Land $21,500 Building $239,130

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 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

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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