Citrus County property record for 416 Spruce St, #61, Inverness, FL 34452
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,550 sqft · built 1986 |
| Lot Size | 0.441 acres (19,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $139,900 (Sep 2020) |
| Tax Bill | $1,757 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20E-19S-21-0020-02300-0590 |
| Primary APN | 20E-19S-21-0020-02300-0590 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 2,154 sqft |
| 1st Floor Area | 1,550 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 19,200 sqft (0.441 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 219 sqft |
| Patio Area | 84 sqft |
| Utility Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3372182 |
|---|---|
| Street Address | 416 SPRUCE ST, 61 |
| City | INVERNESS |
| State | FL |
| Zip | 34452-6438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 59 60 61 & 62 BLK230 |
| Legal Range | 20E |
| Legal Township | 19S |
| Legal Section | 20 |
| Legal Subdivision | INVERNESS HIGHLANDS SOUTH |
| Legal Block | 230 |
| Legal Lot Number | 59 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 451103 |
416 Spruce St, #61 is owned by two individuals who acquired it in December 2023.
Source: Citrus County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 416 SPRUCE ST, INVERNESS, FL 34452-6438 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage BRANNEN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on File |
| Deed Sale | Sep 15, 2020 · Amount on File |
| Deed Document Number | 202048727 |
| Deed Book / Page | 3091 / 942 |
| Last Transfer Date | Dec 21, 2023 |
| Transfer Doc | 0034331054 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Dec 21, 2023 |
| Property Address | 416 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 0034331054 |
| Book / Page | 3433 / 1054 |
| Map Reference | MB 3 PG 51-66 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 2023073310 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Name | Verified Name |
|---|---|
| Address | 5470 S MEMORIAL DR, HOMOSASSA, FL 34446-2130 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 416 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 0030910942 |
| Book / Page | 3091 / 942 |
| Map Reference | MB 3 PG 51-66 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2020048727 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | AMERICAN TTL SVCS OF CITRUS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $979.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29 DARIEN RD, 29, HOWELL, NJ 07731-1805 |
| Name | Verified Name |
|---|---|
| Address | 416 SPRUCE ST, INVERNESS, FL 34452-6438 |
| Document Number | 3091944 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 3091/944 |
| Name | BRANNEN BANK |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 416 Spruce St, #61 was $1,757, up 6% from the year before.
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 | $1,757.00 (+6.04%) | $145,737 (-30.28%) | $201,169 (-3.76%) Land $15,520 Building $185,649 |
| 2024 | $1,657.00 (+2.86%) Homeowner's exemption Additional exemption filed | $209,020 (+2.11%) Land $14,240 Building $194,780 | $209,020 (+2.11%) Land $14,240 Building $194,780 |
| 2023 | $1,611.00 (+6.9%) Homeowner's exemption Additional exemption filed | $204,703 (+15.28%) Land $12,800 Building $191,903 | $204,703 (+15.28%) Land $12,800 Building $191,903 |
| 2022 | $1,507.00 Homeowner's exemption Additional exemption filed | $177,574 Land $11,040 Building $166,534 | $177,574 Land $11,040 Building $166,534 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 416 Spruce St, #61 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 | 9 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 risk around 416 Spruce St, #61 is low, with a 0.01% annual chance of wildfire.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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.
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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