Citrus County property record for 412 Spruce St, Inverness, FL 34452 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,230 sqft · built 1985 |
| Lot Size | 0.217 acres (9,466 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Mar 2018) |
| Tax Bill | $1,145 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20E-19S-21-0020-02300-0630 |
| Primary APN | 20E-19S-21-0020-02300-0630 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,230 sqft Living Area |
| Gross Area | 1,743 sqft |
| 1st Floor Area | 1,230 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 9,466 sqft (0.217 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 345 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Screened Aluminum Porch |
| Porch Area | 223 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1902673 |
|---|---|
| Street Address | 412 SPRUCE ST |
| City | INVERNESS |
| State | FL |
| Zip | 34452-6438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 63 & 64 BLK 230 |
| Legal Range | 20E |
| Legal Township | 19S |
| Legal Section | 20 |
| Legal Subdivision | INVERNESS HIGHLANDS SOUTH |
| Legal Block | 230 |
| Legal Lot Number | 63,64 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 451103 |
Source: Citrus County records · APN 20E-19S-21-0020-02300-0630
Assessment roll updated December 3, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2022 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Oct 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Nov 21, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Mar 26, 2018 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 26, 2018 · Amount on Record |
| Deed Sale | Mar 26, 2018 · Amount on Record |
| Prior Sale | Aug 08, 2017 · Amount on Record |
| Deed Document Number | 201814524 |
| Deed Book / Page | 2888 / 2440 |
| Last Transfer Date | Apr 16, 2019 |
| Transfer Doc | 0030191738 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 0033102452 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 3310/2452 |
| Instrument | 2022056840 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 11, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030140845 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 3014/0845 |
| Instrument | 2019056516 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Nov 21, 2019 |
| Property Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 0030191738 |
| Book / Page | 003019 / 001738 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 60964 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 SPRUCE ST INVERNESS FL 344526438, INVERNESS, FL 34452-6438 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Mar 26, 2018 |
| Property Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 0028882440 |
| Book / Page | 2888 / 2440 |
| Map Reference | MB03 PG51-66 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 2018014524 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | FIRST INERNATIONAL TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1622 FOREST HIGHLANDS CT, 1622, SALEM, VA 24153-7426 |
| Name | Verified Name |
|---|---|
| Address | 412 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 2018014525 |
|---|---|
| Date | Mar 26, 2018 |
| Instrument | 2018014525 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,145.00 (+7.82%) Homeowner's exemption | $104,485 (-39.52%) | $167,746 (-2.9%) Land $7,760 Building $159,986 |
| 2024 | $1,062.00 (+3.31%) Homeowner's exemption Additional exemption filed | $172,761 (+10.61%) Land $7,120 Building $165,641 | $172,761 (+10.61%) Land $7,120 Building $165,641 |
| 2023 | $1,028.00 (+6.86%) Homeowner's exemption Additional exemption filed | $156,189 (+15.27%) Land $6,400 Building $149,789 | $156,189 (+15.27%) Land $6,400 Building $149,789 |
| 2022 | $962.00 Homeowner's exemption Additional exemption filed | $135,496 Land $5,520 Building $129,976 | $135,496 Land $5,520 Building $129,976 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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