4040 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4040 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,487 sqft · built 1963
Lot Size	0.681 acres (29,680 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Apr 2020)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19E-17S-36-0010-00210-076.0`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-076.0`
Alternative APNs	`3617S19E0010002100760` `1582300`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,487 sqft Living Area
1st Floor Area	1,535 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	29,680 sqft (0.681 acres)
Lot Dimensions	265 ft deep x 112 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	230 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	289 sqft
Fence	Fence
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1582300
Old Parcel Number	3617S19E0010002100760
Street Address	4040 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 LOT 76 BLK 21
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	76
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
Mailing Address	4040 E SHOREWOOD DR, HERNANDO, FL 34442-3860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Dec 29, 2014 · Amount on Record
Deed Document Number	2020018196
Deed Book / Page	3051 / 988
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 6, 2020
Property Address	4040 E SHOREWOOD DR, HERNANDO, FL 34442-3860
Document Number	0030510988
Book / Page	003051 / 000988
Instrument Date	Apr 3, 2020
Instrument	18196
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	AMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 E SHOREWOOD DR HERNANDO FL 344423860, HERNANDO, FL 34442-3860

Mortgage

Document Number	30510990
Date	Apr 6, 2020
Book Page	003051/000990
Instrument	18197

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

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	$2,280.00 (+0.71%)	$139,546 (-1.43%) Land $16,810 Building $122,736	$139,546 (-1.43%) Land $16,810 Building $122,736
2024	$2,264.00 (+4.57%)	$141,569 (+5.96%) Land $16,810 Building $124,759	$141,569 (+5.96%) Land $16,810 Building $124,759
2023	$2,165.00 (+6.81%)	$133,602 (+0.48%) Land $16,810 Building $116,792	$133,602 (+0.48%) Land $16,810 Building $116,792
2022	$2,027.00	$132,969 Land $14,980 Building $117,989	$132,969 Land $14,980 Building $117,989

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 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 67% of the US · above 47% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 87 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

Cell Coverage

5G (outdoors only) and 4G LTE

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