Citrus County property record for 4160 N Bluewater Dr, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,317 sqft · built 1974 |
| Lot Size | 0.422 acres (18,393 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (May 2019) |
| Tax Bill | $2,831 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2019 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 19E-18S-14-0110-00380-0660 |
| Primary APN | 19E-18S-14-0110-00380-0660 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 2,667 sqft |
| 1st Floor Area | 2,157 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 18,393 sqft (0.422 acres) |
| Lot Dimensions | 114 ft deep x 53 ft wide |
| View / Lot | Lake Front |
| Garage Type | Carport |
| Garage Area | 180 sqft |
| Carport | Carport |
| Carport Area | 180 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 353 sqft |
| Deck Area | Deck Area |
| Patio Area | 85 sqft |
| Utility Building | 80 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 3524047 |
|---|---|
| Street Address | 4160 N BLUEWATER DR |
| City | HERNANDO |
| State | FL |
| Zip | 34442-3152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CLRMH |
| Legal Description | APACHE SHORES UNIT 11 PB 5 PG 36 LOTS 66 67 & 68 BLK 38 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | APACHE SHORES UNIT 11 |
| Legal Block | 38 |
| Legal Lot Number | 66 |
| Legal Unit | 11 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 450105 |
4160 N Bluewater Dr is owned and occupied by two individuals who bought it in May 2019.
Source: Citrus County records, as of August 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4160 N BLUEWATER DR, HERNANDO, FL 34442-3152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| May 28, 2019 | Warranty Deed, Transfer FIRST INT'L TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on File |
| Deed Sale | May 28, 2019 · Amount on File |
| Prior Sale | Sep 3, 2013 · Amount on File |
| Deed Document Number | 201927161 |
| Deed Book / Page | 2978 / 2444 |
| Prior Transfer Date | Mar 8, 2016 |
| Prior Transfer Doc | 0027480597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jul 15, 2026 |
| Property Address | 4160 N BLUEWATER DR, HERNANDO, FL 34442-3152 |
| Document Number | 0000041800 |
| Book / Page | 3688 / 1516 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202641800 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4160 N BLUEWATER DR, HERNANDO, FL 34442-3152 |
| Document Number | 0000041800, |
|---|---|
| Date | Jul 15, 2026 |
| Book Page | 3688/1516 |
| Instrument | 202641800 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 28, 2019 |
| Property Address | 4160 N BLUEWATER DR, HERNANDO, FL 34442-3152 |
| Document Number | 0029782444 |
| Book / Page | 002978 / 002444 |
| Instrument Date | May 28, 2019 |
| Instrument | 27161 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | FIRST INT'L TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4180 N BLUEWATER DR HERNANDO FL 344423152, HERNANDO, FL 34442-3152 |
The 2025 property tax bill for 4160 N Bluewater Dr was $2,831 with a homeowner's exemption, up 11.7% 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 | $2,831.00 (+11.68%) Homeowner's exemption | $205,277 (-33.18%) | $341,301 (+11.09%) Land $70,510 Building $270,791 |
| 2024 | $2,535.00 (+2.42%) Homeowner's exemption Additional exemption filed | $307,217 (-2.78%) Land $51,430 Building $255,787 | $307,217 (-2.78%) Land $51,430 Building $255,787 |
| 2023 | $2,475.00 (+6.45%) Homeowner's exemption Additional exemption filed | $316,010 (+2.61%) Land $51,430 Building $264,580 | $316,010 (+2.61%) Land $51,430 Building $264,580 |
| 2022 | $2,325.00 Homeowner's exemption Additional exemption filed | $307,970 Land $48,110 Building $259,860 | $307,970 Land $48,110 Building $259,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4160 N Bluewater Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 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 4160 N Bluewater Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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