3970 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3970 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,308 sqft · built 1976
Lot Size	1.17 acres (51,329 sqft)
Owner	2 Individual Names on File
Last Sale	$215,200 (Jul 2019)
Tax Bill	$1,831 (2025)
Deeds & Mortgages	Jul 2019 Transfer Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19E-17S-36-0010-00210-0710`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-0710`
Alternative APNs	`3617S19E0010002100710` `3127639`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,308 sqft Living Area
Gross Area	1,881 sqft
1st Floor Area	1,308 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	51,329 sqft (1.17 acres)
Lot Dimensions	267 ft deep x 75 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	357 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	888 sqft
Gazebo	77 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3127639
Street Address	3970 E SHOREWOOD DR
City	HERNANDO
State	FL
Zip	34442-2581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	LOTS 71 & 72 BLK 21 OF RIVER LAKES MANOR UN NO 1 ACC TO THE MAP OR PLAT THEREOF REC IN PB 3 PG 96 ---&--- COM AT NW COR OF LOT 71 BLK 21 OF RIVER LAKES MANOR UN NO 1 PB 3 PG 96 TH S 9 DEG 39M 10S W AL W LN OF LOT 71 234.61 FT TH S 63 DEG 19M 10S E 49
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	71,72
Legal Unit	1 P
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2010
Census Tract	450105

Owner

Source: Citrus County records, as of December 3, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2019	Correction Deed ATTORNEY ONLY
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage BLACKWELL GARY L TRUST (PT)
May 28, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	May 10, 2002 · Amount on File
Deed Document Number	201934007
Deed Book / Page	2987 / 172
Prior Transfer Date	May 20, 2019
Prior Transfer Doc	0029782164
Record Updated	Jun 8, 2026

July 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 19, 2019
Property Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Document Number	0029911091
Book / Page	002991 / 001091
Instrument Date	Jul 18, 2019
Instrument	37506
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 E SHOREWOOD DR HERNANDO FL 344422581, HERNANDO, FL 34442-2581

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 1, 2019
Property Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Document Number	0029870172
Book / Page	002987 / 000172
Instrument Date	Jun 28, 2019
Instrument	34007
Transaction Type	Transfer
Record Updated	Jul 11, 2019
Title Company	AMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,506.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18334 OSHAWA DR HUDSON FL 346676343, HUDSON, FL 34667-6343

Mortgage

Document Number	29870174
Date	Jul 1, 2019
Book Page	002987/000174
Instrument	34008

Lender

Name	BLACKWELL GARY L TRUST (PT)
Address	PO BOX 1085, NEW PORT RICHEY, FL 34656-1085

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 30, 2024

Interest

Rate	18%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CITRUS FL
Recording Date	May 28, 2019
Property Address	3970 E SHOREWOOD DR, HERNANDO, FL 34442-2581
Document Number	0029782164
Book / Page	002978 / 002164
Instrument Date	May 20, 2019
Instrument	27027
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3970 E SHOREWOOD DR HERNANDO FL 344422581, HERNANDO, FL 34442-2581

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 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	$1,831.00 (+5.9%) Homeowner's exemption	$150,721 (-18.49%)	$176,601 (-4.5%) Land $27,550 Building $149,051
2024	$1,729.00 (+2.86%) Homeowner's exemption Additional exemption filed	$184,921 (+5.57%) Land $27,550 Building $157,371	$184,921 (+5.57%) Land $27,550 Building $157,371
2023	$1,681.00 (+6.87%) Homeowner's exemption Additional exemption filed	$175,170 (+1.69%) Land $27,550 Building $147,620	$175,170 (+1.69%) Land $27,550 Building $147,620
2022	$1,573.00 Homeowner's exemption Additional exemption filed	$172,253 Land $24,630 Building $147,623	$172,253 Land $24,630 Building $147,623

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	41.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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