4 Elder Dr, Homosassa, FL 34446 Property Records

Citrus County property record for 4 Elder Dr, Homosassa, FL 34446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,204 sqft · built 2006
Lot Size	0.32 acres (13,968 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jul 2023)
Tax Bill	$1,578 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18E-20S-13-0010-00660-035.0`

Property Details

APN / Parcel Number

Primary APN	`18E-20S-13-0010-00660-035.0`
Alternative APNs	`1320S18E0010006600350` `1547172`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,204 sqft Living Area
1st Floor Area	2,206 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	13,968 sqft (0.32 acres)
Lot Dimensions	125 ft deep x 120 ft wide
Garage Area	575 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	411 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1547172
Old Parcel Number	1320S18E0010006600350
Street Address	4 ELDER DR
City	HOMOSASSA
State	FL
Zip	34446-4405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PDR PLANNED DEVELOPMENT(S
Legal Description	SUGARMILL WOODS CYPRESS VILLAGE PB 9 PG 86 - 150 PB 10 PG 1 - 150 & PB 11 PG 1 - 16 AMENDED PB 9 PG 87-A LOT 35 BLK B-66.
Legal Range	18E
Legal Township	20S
Legal Section	16
Legal Subdivision	SUGARMILL WOODS (CYPRESS VILLA
Legal Block	66
Legal Lot Number	35
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	1
Census Block	1010
Census Tract	451603

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4 ELDER DR, HOMOSASSA, FL 34446-4405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 25, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Feb 18, 2005 · Amount on Record
Deed Document Number	2023043970
Deed Book / Page	3398 / 714
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 27, 2023
Property Address	4 ELDER DR, HOMOSASSA, FL 34446-4405
Document Number	0033980714
Book / Page	3398 / 714
Map Reference	MB 9 PG 86-150
Instrument Date	Jul 17, 2023
Instrument	2023043970
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	FIRST NATIONAL TITLE LLC, FIRST NATIONAL T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 PERRY HOUSE RD, FITZGERALD, GA 31750-8838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ELDER DR, HOMOSASSA, FL 34446-4405

Mortgage

Document Number	0003398716
Date	Jul 27, 2023
Instrument	3398/716

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4 ELDER DR, HOMOSASSA, FL 34446-4405
Document Number	0028551516
Book / Page	002855 / 001516
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 ELDER DR HOMOSASSA FL 344464405, HOMOSASSA, FL 34446-4405

Mortgage

Document Number	0028551516
Date	Oct 3, 2017
Book Page	002855/001516
Instrument	45084

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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	$1,578.00 (+6.26%) Homeowner's exemption Additional exemption filed	$298,547 (-2.65%) Land $22,000 Building $276,547	$298,547 (-2.65%) Land $22,000 Building $276,547
2024	$1,485.00 (-68.83%) Homeowner's exemption Additional exemption filed	$306,683 (+1.52%) Land $18,870 Building $287,813	$306,683 (+1.52%) Land $18,870 Building $287,813
2023	$4,764.00 (+166.44%) Additional exemption filed	$302,089 (+16.77%) Land $18,800 Building $283,289	$302,089 (+16.77%) Land $18,800 Building $283,289
2022	$1,788.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$258,704 Land $14,000 Building $244,704	$258,704 Land $14,000 Building $244,704

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	SUGARMILL WOODS S/D public/private · serves 13,935 people · EPA ID FL6091735
Water Source	Groundwater
Last State Inspection	Jan 2025
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	15 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 118 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elder Dr

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