Citrus County property record for 411 E Harvard St, Inverness, FL 34452
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,699 sqft · built 2020 |
| Lot Size | 0.221 acres (9,623 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,100 (Apr 1988) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | Jun 2019 Construction Loan Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20E-19S-21-0020-02000-2000 |
| Primary APN | 20E-19S-21-0020-02000-2000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,699 sqft Living Area |
| Gross Area | 2,251 sqft |
| 1st Floor Area | 1,699 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 9,623 sqft (0.221 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1996163 |
|---|---|
| Street Address | 411 E HARVARD ST |
| City | INVERNESS |
| State | FL |
| Zip | 34452-6788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 200 & 201 BLK 200 |
| Legal Range | 20E |
| Legal Township | 19S |
| Legal Section | 20 |
| Legal Subdivision | INVERNESS HIGHLANDS SOUTH |
| Legal Block | 200 |
| Legal Lot Number | 200-2 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 451104 |
Source: Citrus County records, as of March 11, 2026
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 | 411 E HARVARD ST, INVERNESS, FL 34452-6788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2019 | Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK |
| Mar 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1988 · Amount on Record |
| Deed Sale | Apr 1, 1988 · Amount on Record |
| Deed Book / Page | 776 / 217 |
| Last Transfer Date | Mar 7, 2005 |
| Transfer Doc | 0018251457 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 411 E HARVARD ST, INVERNESS, FL 34452-6788 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0029860410 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 2986/0410 |
| Instrument | 2019033281 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 411 E HARVARD ST, INVERNESS, FL 34452-6788 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 411 E HARVARD ST, INVERNESS, FL 34452-6788 |
| Document Number | 0031410991 |
|---|---|
| Date | Mar 5, 2021 |
| Book Page | 3141/991 |
| Instrument | 2021014205 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,496.00 (+5.09%) Homeowner's exemption | $195,576 (-31.54%) | $273,138 (-4.39%) Land $7,760 Building $265,378 |
| 2024 | $2,375.00 (+2.59%) Homeowner's exemption Additional exemption filed | $285,684 (+0.97%) Land $7,120 Building $278,564 | $285,684 (+0.97%) Land $7,120 Building $278,564 |
| 2023 | $2,315.00 (+6.88%) Homeowner's exemption Additional exemption filed | $282,929 (+15.54%) Land $6,400 Building $276,529 | $282,929 (+15.54%) Land $6,400 Building $276,529 |
| 2022 | $2,166.00 Homeowner's exemption Additional exemption filed | $244,884 Land $5,520 Building $239,364 | $244,884 Land $5,520 Building $239,364 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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