1. Home
  2. Florida
  3. Citrus County
  4. Hernando
  5. E Arbor Lakes Dr

3971 E Arbor Lakes Dr, Hernando, FL 34442 Property Records

Citrus County property record for 3971 E Arbor Lakes Dr, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage2,134 sqft Living Area
Lot Size14,884 sqft (0.341 acres)
OccupancyOwner Occupied
Last Sale$383,000 (2024)
Tax Bill$5,080.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-14-0140-000N0-015.0

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 26, 2024Warranty Deed, Transfer
AMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS
Sep 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Mar 11, 2020Grant Deed, Transfer · Conventional Mortgage
FLORIDA CU
Nov 28, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 26, 2024 · Amount on Record
Deed SaleFeb 26, 2024 · Amount on Record
Prior SaleMar 11, 2020 · Amount on Record
Deed Doc Number2024010547
Deed Book / Page3447 / 1054
Record RefreshedJun 08, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateFeb 26, 2024
Property Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586
Document Number0034471054
Book / Page3447 / 1054
Map ReferenceMB 15 PG 75-79
Instrument DateFeb 20, 2024
Instrument2024010547
Transaction TypeTransfer
Record UpdatedMar 12, 2024
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TTL SVCS OF CITRUS

Transaction

AmountAmount Recorded
Tax$2,681.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586

Transferred To (Grantee/Buyer)

NameVerified Name
Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586
Transaction TypeMortgage
Record UpdatedOct 11, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0032040167
DateSep 10, 2021
Book Page3204/167
Instrument2021062550
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCITRUS FL
Recording DateMar 11, 2020
Property Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586
Document Number0030452406
Book / Page003045 / 002406
Instrument DateJan 31, 2020
Instrument13786
Transaction TypeTransfer
Record UpdatedMay 18, 2020
Title CompanyBUYERS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,540.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3971 E ARBOR LAKES DR HERNANDO FL 344425586, HERNANDO, FL 34442-5586

Mortgage

Document Number30452408
DateMar 11, 2020
Book Page003045/002408
Instrument13787
Lender
NameFLORIDA CU
TypeCredit Union
AddressGAINESVILLE, FL 32627
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 10, 2050

November 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionCITRUS FL
Recording DateNov 28, 2018
Property Address3971 E ARBOR LAKES DR, HERNANDO, FL 34442-5586
Document Number0029411440
Book / Page002941 / 001440
Instrument DateNov 15, 2018
Instrument59334
Transaction TypeForeclosure
Record UpdatedDec 21, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$947.10
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address15480 LAGUNA CANYON RD IRVINE CA 926182132, IRVINE, CA 92618-2132

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,080.00 (+60.25%) Additional exemption filed$327,598 (+7.11%) Land $19,070 Building $308,528$327,598 (+7.11%) Land $19,070 Building $308,528
2024$3,170.00 (+2.59%) Homeowner's exemption Additional exemption filed$305,841 (-0.11%) Land $19,070 Building $286,771$305,841 (-0.11%) Land $19,070 Building $286,771
2023$3,090.00 (+6.88%) Homeowner's exemption Additional exemption filed$306,178 (+10.38%) Land $19,070 Building $287,108$306,178 (+10.38%) Land $19,070 Building $287,108
2022$2,891.00 Homeowner's exemption Additional exemption filed$277,374 Land $19,070 Building $258,304$277,374 Land $19,070 Building $258,304

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 53% of the US · above 24% of Florida
Wildfire LikelihoodAbout 1 in 926 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN19E-18S-14-0140-000N0-015.0
Alternative APNs
  • 1418S19E0140000N00150
  • 2720361

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,134 sqft Living Area
1st Floor2,134 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 1998
Architectural StyleOther Style
Exterior MaterialStucco Exterior
Construction TypeConcrete Blocks Construction
Foundation TypeFooting Foundation
Roof ConstructionHip Roof Construction
Roof MaterialFiberglass Roof
Lot Area14,884 sqft (0.341 acres)
Depth X Width112 ft x 175 ft Depth x Width
Parking Spaces7 Parking Spaces
Garage Area704 sqft Garage

Exterior Amenities

Pool Area276 sqft Pool
Patio Area81 sqft Patio
PorchOpen Porch
Porch Area321 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number2720361
Old Parcel Number1418S19E0140000N00150
Street Address3971 E ARBOR LAKES DR
CityHERNANDO
StateFL
Zip34442-5586
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionARBOR LAKES UNIT 1 PB 15 PG 75 LOT 15 BLK N
Legal Range19E
Legal Township18S
Legal Section13
Legal SubdivisionARBOR LAKES - UNIT 1
Legal BlockN
Legal Lot Number15
Legal Unit1
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup1
Census Block1031
Census Tract450105

Nearby Properties on E Arbor Lakes Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures