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404 E Nicholas St, Hernando, FL 34442 Property Records

Citrus County property record for 404 E Nicholas St, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2020
Square Footage1,692 sqft Living Area
Lot Size98,878 sqft (2.27 acres)
OccupancyOwner Occupied
Last Sale$40,000 (2019)
Tax Bill$3,561.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-18-1B000-058.0

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address404 E NICHOLAS ST, HERNANDO, FL 34442-4664
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2026Deed of Trust, Mortgage · Line of Credit
BRANNEN BANK
Nov 20, 2019Warranty Deed, Construction Loan · Building or Construction Mortgage
BRANNEN BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 14, 2019 · Amount on Record
Deed SaleNov 14, 2019 · Amount on Record
Deed Doc Number0030191072
Deed Book / Page1663 / 0559
Prior Transfer DateNov 17, 2003
Prior Transfer Doc2003070841
Record RefreshedJun 08, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address404 E NICHOLAS ST, HERNANDO, FL 34442-4664
Transaction TypeMortgage
Record UpdatedFeb 06, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E NICHOLAS ST, HERNANDO, FL 34442-4664

Mortgage

Document Number0036361788
DateJan 22, 2026
Book Page3636/1788
Instrument2026003746
Lender
NameBRANNEN BANK
TypeBank
AddressINVERNESS, FL 34450
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJan 16, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2019: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateNov 20, 2019
Property Address404 E NICHOLAS ST, HERNANDO, FL 34442-4664
Document Number0030191072
Book / Page3019 / 1072
Instrument DateNov 14, 2019
Instrument2019060755
Transaction TypeConstruction Loan
Record UpdatedJul 27, 2022
Title CompanyTOTAL TITLE SOLUTIONS LLC

Transaction

AmountAmount Recorded
Tax$280.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address711 22ND ST SW, 711, LARGO, FL 33770-2951

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 N FRESNO AVE, HERNANDO, FL 34442-4894

Mortgage

Document Number0030191074
DateNov 20, 2019
Instrument3019/1074
Lender
NameBRANNEN BANK
TypeBank
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term372 Months
DueNov 18, 2050

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$3,561.00 (+4.43%) Homeowner's exemption Additional exemption filed$379,420 (-1.04%) Land $55,000 Building $324,420$379,420 (-1.04%) Land $55,000 Building $324,420
2024$3,410.00 (+2.4%) Homeowner's exemption Additional exemption filed$383,420 (+2.75%) Land $47,500 Building $335,920$383,420 (+2.75%) Land $47,500 Building $335,920
2023$3,330.00 (+6.94%) Homeowner's exemption Additional exemption filed$373,150 (+16.81%) Land $44,700 Building $328,450$373,150 (+16.81%) Land $44,700 Building $328,450
2022$3,114.00 Homeowner's exemption Additional exemption filed$319,455 Land $29,750 Building $289,705$319,455 Land $29,750 Building $289,705

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 49% of the US · above 19% of Florida
Wildfire LikelihoodAbout 1 in 1,587 per year
ExposureDirect
burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN19E-18S-18-1B000-058.0
Alternative APNs
  • 1818S19E1B0000580
  • 1611059

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,692 sqft Living Area
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco Exterior
Construction TypeConcrete Blocks Construction
Foundation TypeFooting Foundation
Roof ConstructionHip Roof Construction
Roof MaterialFiberglass Roof
Lot Area98,878 sqft (2.27 acres)
Depth X Width305 ft x 330 ft Depth x Width
Parking Spaces5 Parking Spaces
Garage Area2,100 sqft Garage
Pool Area288 sqft Pool
PorchOpen Porch

Utilities and HVAC

Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number1611059
Old Parcel Number1818S19E1B0000580
Street Address404 E NICHOLAS ST
CityHERNANDO
StateFL
Zip34442-4664
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCRYSTAL HILLS MINI FARMS UNREC SUB PARCEL 58 DESC AS FOLLOWS: SW 1/4 OF SE 1/4 OF NE 1/4 OF NW 1/4 SUBJ TO ESMT ACROSS N 25FT
Legal Range19E
Legal Township18S
Legal Section18
Legal SubdivisionCRYSTAL HILLS MINI FARMS U-1
Legal Lot Number58
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup1
Census Block1026
Census Tract450103

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