4010 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4010 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 1991
Lot Size	1.12 acres (48,575 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2019)
Tax Bill	$2,937 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`19E-17S-36-0010-00210-073.0`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-073.0`
Alternative APNs	`3617S19E0010002100730` `3127654`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,923 sqft Living Area
1st Floor Area	1,923 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	48,575 sqft (1.12 acres)
Lot Dimensions	335 ft deep x 145 ft wide
Garage Area	504 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	949 sqft
Fence	Fence
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3127654
Old Parcel Number	3617S19E0010002100730
Street Address	4010 E SHOREWOOD DR
City	HERNANDO
State	FL
Zip	34442-3860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR COASTAL LAKES & RVRS
Legal Description	RIVER LAKES MANOR UNIT 1 PB 3 PG 96 (LR-02-08 ACCEPTED 2/20/02 SURVEY IN OR BK 1486 PG 1808) PARCEL B: LOT 73 BLK 21 AND BEG
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	73
Legal Unit	1
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 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	4010 E SHOREWOOD DR, HERNANDO, FL 34442-3860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Nov 26, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	Aug 6, 2015 · Amount on Record
Deed Document Number	2019062024
Deed Book / Page	3021 / 0048
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4010 E SHOREWOOD DR, HERNANDO, FL 34442-3860
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 E SHOREWOOD DR, HERNANDO, FL 34442-3860

Mortgage

Document Number	0032281040
Date	Nov 23, 2021
Book Page	3228/1040
Instrument	2021081123

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Nov 26, 2019
Property Address	4010 E SHOREWOOD DR, HERNANDO, FL 34442-3860
Document Number	0030210048
Book / Page	3021 / 0048
Map Reference	MB 3 PG 96-101
Instrument Date	Nov 22, 2019
Instrument	2019062024
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARION LAKE SUMTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 N VERMEER WAY, 735, INVERNESS, FL 34453-1568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 E SHOREWOOD DR, HERNANDO, FL 34442-3860

Mortgage

Document Number	0000302150
Date	Nov 26, 2019
Instrument	3021/50

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$2,937.00 (+8.54%) Homeowner's exemption Additional exemption filed	$278,618 (-2.19%) Land $25,420 Building $253,198	$278,618 (-2.19%) Land $25,420 Building $253,198
2024	$2,706.00 (+2.46%) Homeowner's exemption Additional exemption filed	$284,859 (+6.91%) Land $25,420 Building $259,439	$284,859 (+6.91%) Land $25,420 Building $259,439
2023	$2,641.00 (+6.88%) Homeowner's exemption Additional exemption filed	$266,458 (+0.55%) Land $25,420 Building $241,038	$266,458 (+0.55%) Land $25,420 Building $241,038
2022	$2,471.00 Homeowner's exemption Additional exemption filed	$264,994 Land $22,640 Building $242,354	$264,994 Land $22,640 Building $242,354

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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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