4196 N Indianriver Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4196 N Indianriver Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 2022
Lot Size	1.06 acres (46,377 sqft)
Owner	2 Company Names on Record
Last Sale	$32,100 (Jan 2022)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000M0-0330`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000M0-0330`
Alternative APNs	`1718S19E0010000M00330` `2359200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,362 sqft
1st Floor Area	1,700 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Combination
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	46,377 sqft (1.06 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	9 Parking Spaces
Porch	Finished/Screened Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	2359200
Street Address	4196 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 ESTS PB 12 PG 49 LOT 33 BLK M DESC IN OR BK 891 PG 618
Legal Range	19E
Legal Township	18S
Legal Section	08
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	M
Legal Lot Number	33
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	2 Company Names on Record
Mailing Address	4196 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jan 31, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Prior Sale	Mar 1, 1991 · Amount on Record
Deed Document Number	20226477
Deed Book / Page	3248 / 1304
Last Transfer Date	Jul 17, 2025
Transfer Doc	0035850690
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4196 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2503 SUMMITVIEW DR, LAKELAND, FL 33812-3278

Mortgage

Document Number	0032651679
Date	Mar 22, 2022
Book Page	3265/1679
Instrument	2022020196

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 31, 2022
Property Address	4196 N INDIANRIVER DR, HERNANDO, FL 34442-4541
Document Number	0032481304
Book / Page	3248 / 1304
Map Reference	MB 12 PG 49-60
Instrument Date	Jan 23, 2022
Instrument	2022006477
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$224.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 LAKEVIEW DR, WEST SUFFIELD, CT 06093-2745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2503 SUMMITVIEW DR, LAKELAND, FL 33812-3278

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	$2,930.00 (+4.76%)	$224,845 (-29.78%)	$321,823 (+0.5%) Land $33,500 Building $288,323
2024	$2,797.00 (+2.53%) Homeowner's exemption Additional exemption filed	$320,219 (-0.06%) Land $33,500 Building $286,719	$320,219 (-0.06%) Land $33,500 Building $286,719
2023	$2,728.00 (+991.2%) Homeowner's exemption Additional exemption filed	$320,422 (+1,390.33%) Land $31,500 Building $288,922	$320,422 (+1,390.33%) Land $31,500 Building $288,922
2022	$250.00	$21,500 Land $21,500	$21,500 Land $21,500

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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