4170 N Indianriver Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4170 N Indianriver Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,797 sqft · built 1999
Lot Size	1.06 acres (46,378 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jun 2016)
Tax Bill	$3,859 (2025)
Deeds & Mortgages	Oct 2019 Reverse Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000M0-0340`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000M0-0340`
Alternative APNs	`1718S19E0010000M00340` `2359226`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,797 sqft Living Area
Gross Area	3,839 sqft
1st Floor Area	2,797 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Concrete
Lot Area	46,378 sqft (1.06 acres)
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	9 Parking Spaces
Pool Area	630 sqft
Porch	Finished/Screened Porch
Porch Area	418 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2359226
Street Address	4170 N INDIANRIVER DR
City	HERNANDO
State	FL
Zip	34442-4541
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 34 BLK M
Legal Range	19E
Legal Township	18S
Legal Section	08
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	M
Legal Lot Number	34
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2002
Census Tract	450104

Owner

Source: Citrus County records, as of March 19, 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 Record
Mailing Address	4170 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage · Reverse Mortgage JET DIRECT FUNDING CORP
Sep 30, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2016 · Amount on Record
Deed Sale	Jun 16, 2016 · Amount on Record
Prior Sale	Aug 1, 2012 · Amount on Record
Deed Document Number	201627513
Deed Book / Page	2764 / 910
Prior Transfer Date	Oct 1, 2009
Prior Transfer Doc	0023431619
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4170 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030090870
Date	Oct 7, 2019
Book Page	3009/0870
Instrument	2019052394

Lender

Name	JET DIRECT FUNDING CORP
Type	Mortgage Company
Address	BAY SHORE, NY 11706

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4170 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Document Number	0030090885
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4170 N INDIANRIVER DR HERNANDO FL 344424541, HERNANDO, FL 34442-4541

Mortgage

Document Number	0030090885
Date	Oct 7, 2019
Book Page	003009/000885
Instrument	52395

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	4.81%

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	$3,859.00 (+4.33%) Homeowner's exemption Widower's exemption	$289,690 (-33.21%)	$421,098 (-2.91%) Land $33,500 Building $387,598
2024	$3,699.00 (+2.44%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$433,703 (+1.25%) Land $33,500 Building $400,203	$433,703 (+1.25%) Land $33,500 Building $400,203
2023	$3,611.00 (+4.88%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$428,331 (+10.96%) Land $31,500 Building $396,831	$428,331 (+10.96%) Land $31,500 Building $396,831
2022	$3,443.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$386,010 Land $21,500 Building $364,510	$386,010 Land $21,500 Building $364,510

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
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)

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