4130 N Forest Lake Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4130 N Forest Lake Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,864 sqft · built 1999
Lot Size	1.12 acres (48,932 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Oct 2021)
Tax Bill	$4,586 (2025)
Deeds & Mortgages	Oct 2026 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000N0-0500`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000N0-0500`
Alternative APNs	`1718S19E0010000N00500` `2831952`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,864 sqft Living Area
Gross Area	3,824 sqft
1st Floor Area	2,864 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Frame/Wood Siding
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Concrete
Lot Area	48,932 sqft (1.12 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Slab
Porch Area	214 sqft
Patio Area	290 sqft
Gazebo	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2831952
Street Address	4130 N FOREST LAKE DR
City	HERNANDO
State	FL
Zip	34442-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 50 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	08
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	N
Legal Lot Number	50
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2004
Census Tract	450104

Owner

4130 N Forest Lake Dr is owned and occupied by two individuals who acquired it in October 2026.

Source: Citrus County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BRANNEN BANK
Nov 5, 2020	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
May 15, 2019	Warranty Deed, Transfer · VA Mortgage HOWARD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	May 15, 2019 · Amount on File
Deed Document Number	202174769
Deed Book / Page	3219 / 2458
Last Transfer Date	Oct 5, 2026
Transfer Doc	0000060292
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 7, 2026
Property Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901
Document Number	0000060292
Book / Page	3713 / 2177
Instrument Date	Oct 5, 2026
Instrument	202660292
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 28, 2021
Property Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901
Document Number	0032192458
Book / Page	3219 / 2458
Map Reference	MB 12 PG 49-60
Instrument Date	Oct 28, 2021
Instrument	2021074769
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	CITRUS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1360, LECANTO, FL 34460-1360

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901

Mortgage

Document Number	32192460
Date	Oct 28, 2021
Instrument	3219/2460

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901

Mortgage

Document Number	0031061719
Date	Nov 5, 2020
Book Page	3106/1719
Instrument	2020060506

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 15, 2019
Property Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901
Document Number	0029760821
Book / Page	2976 / 0821
Map Reference	MB 12 PG 49-60
Instrument Date	May 15, 2019
Instrument	2019024834
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,449.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4130 N FOREST LAKE DR, 4130, HERNANDO, FL 34442-2901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4130 N FOREST LAKE DR, HERNANDO, FL 34442-2901

Mortgage

Document Number	29760823
Date	May 15, 2019
Instrument	2976-0823

Lender

Name	HOWARD BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4130 N Forest Lake Dr was $4,586, up 4% from the year before.

Source: Citrus County assessment roll, as of December 3, 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	$4,586.00 (+4.04%)	$333,756 (-26.07%)	$441,540 (-2.19%) Land $33,500 Building $408,040
2024	$4,408.00 (+2.32%) Homeowner's exemption Additional exemption filed	$451,431 (+1.63%) Land $33,500 Building $417,931	$451,431 (+1.63%) Land $33,500 Building $417,931
2023	$4,308.00 (+6.82%) Homeowner's exemption Additional exemption filed	$444,203 (+9.93%) Land $31,500 Building $412,703	$444,203 (+9.93%) Land $31,500 Building $412,703
2022	$4,033.00 Homeowner's exemption Additional exemption filed	$404,090 Land $21,500 Building $382,590	$404,090 Land $21,500 Building $382,590

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4130 N Forest Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 4130 N Forest Lake Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 60% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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