4165 N Indianriver Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4165 N Indianriver Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,041 sqft · built 2008
Lot Size	1.12 acres (48,866 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jan 2026)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000N0-0370`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000N0-0370`
Alternative APNs	`1718S19E0010000N00370` `2360381`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,041 sqft Living Area
Gross Area	3,570 sqft
1st Floor Area	3,041 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	48,866 sqft (1.12 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	6 Parking Spaces
Pool Area	392 sqft
Porch	Finished/Open Porch
Porch Area	475 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2360381
Street Address	4165 N INDIANRIVER DR
City	HERNANDO
State	FL
Zip	34442-6527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 37 BLK N
Legal Range	19E
Legal Township	18S
Legal Section	08
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	N
Legal Lot Number	37
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2004
Census Tract	450104

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRANNEN BANK
Jan 6, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on Record
Deed Sale	Jan 6, 2026 · Amount on Record
Prior Sale	Dec 14, 2005 · Amount on Record
Deed Document Number	2026581
Deed Book / Page	3632 / 1389
Prior Transfer Date	Jun 8, 2018
Prior Transfer Doc	0029060538
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527

Mortgage

Document Number	0034191536
Date	Oct 23, 2023
Book Page	3419/1536
Instrument	2023061410

Lender

Name	BRANNEN BANK
Type	Bank
Address	INVERNESS, FL 34450

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2038

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 6, 2026
Property Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527
Document Number	0036321389
Book / Page	3632 / 1389
Map Reference	MB 12 PG 49-60
Instrument Date	Dec 8, 2025
Instrument	2026000581
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FIRST NATIONS TITLE, FIRST NATIONAL T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	660 WHISPERING PINES CT, INVERNESS, FL 34453-3386

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527

Mortgage

Document Number	0036321391
Date	Jan 6, 2026
Instrument	3632/1391

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 8, 2018
Property Address	4165 N INDIANRIVER DR, HERNANDO, FL 34442-6527
Document Number	0029060538
Book / Page	002906 / 000538
Instrument Date	Jun 8, 2018
Instrument	29213
Transaction Type	Transfer
Record Updated	Jul 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4165 N INDIANRIVER DR HERNANDO FL 344426527, HERNANDO, FL 34442-6527

Tax Assessment & Valuation

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	$3,615.00 (+4.36%) Homeowner's exemption	$268,279 (-41.32%)	$456,551 (-0.13%) Land $33,500 Building $423,051
2024	$3,464.00 (+2.39%) Homeowner's exemption Additional exemption filed	$457,154 (+0.6%) Land $33,500 Building $423,654	$457,154 (+0.6%) Land $33,500 Building $423,654
2023	$3,383.00 (+6.82%) Homeowner's exemption Additional exemption filed	$454,438 (+11.09%) Land $31,500 Building $422,938	$454,438 (+11.09%) Land $31,500 Building $422,938
2022	$3,167.00 Homeowner's exemption Additional exemption filed	$409,070 Land $21,500 Building $387,570	$409,070 Land $21,500 Building $387,570

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

Flood

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

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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)

Nearby Properties on N Indianriver Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures