4202 E Garden St, Inverness, FL 34453 Property Records

Citrus County property record for 4202 E Garden St, Inverness, FL 34453

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 2023
Lot Size	0.286 acres (12,495 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,695 (2025)
Deeds & Mortgages	Apr 2022 Construction Loan Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`19E-19S-13-0040-00180-001.0`

Property Details

APN / Parcel Number

Primary APN	`19E-19S-13-0040-00180-001.0`
Alternative APNs	`1319S19E0040001800010` `3525880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Living Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Metal
Lot Area	12,495 sqft (0.286 acres)
Lot Dimensions	147 ft deep x 85 ft wide
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	288 sqft
Porch	Open Porch
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3525880
Old Parcel Number	1319S19E0040001800010
Street Address	4202 E GARDEN ST
City	INVERNESS
State	FL
Zip	34453-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR MED DENSITY RESIDENT
Legal Description	INVERNESS VILLAGE UNIT 4 PB 9 PG 17 - 21 LOT 1 BLK 18.
Legal Range	19E
Legal Township	19S
Legal Section	01
Legal Subdivision	INVERNESS VILLAGE UNIT 4
Legal Block	18
Legal Lot Number	1 3
Legal Unit	4
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2001
Census Tract	450706

Owner

4202 E Garden St is owned by two individuals who acquired it in March 2022.

Source: Citrus County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	6694 E KINGSBURY LN, INVERNESS, FL 34452-8722
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CITY HOME LOANS LLC
Oct 20, 2021	Warranty Deed, Transfer TROPIC TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022
Deed Sale	Mar 10, 2022
Prior Sale	May 29, 2008
Deed Document Number	0032621079
Deed Book / Page	3217 / 83
Prior Transfer Date	Oct 20, 2021
Prior Transfer Doc	2021072386
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4202 E GARDEN ST, INVERNESS, FL 34453-3537
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 N CUNNINGHAM AVE, INVERNESS, FL 34453-3527

Mortgage

Document Number	0032781223
Date	Apr 28, 2022
Book Page	3278/1223
Instrument	2022030430

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Oct 20, 2021
Property Address	4202 E GARDEN ST, INVERNESS, FL 34453-3537
Document Number	0032170083
Book / Page	3217 / 83
Map Reference	MB 9 PG 17
Instrument Date	Oct 15, 2021
Instrument	2021072386
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$203.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	798 E WHITECLOUD LN, HERNANDO, FL 34442-2803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N CUNNINGHAM AVE, INVERNESS, FL 34453-3527

Tax Assessment & Valuation

The 2025 property tax bill for 4202 E Garden St was $3,695, down 12.2% from the year before.

Source: Citrus County assessment roll, as of July 1, 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	$3,695.00 (-12.17%)	$234,960 (-13.8%) Land $5,210 Building $229,750	$234,960 (-13.8%) Land $5,210 Building $229,750
2024	$4,207.00 (+1,270.36%)	$272,578 (+1,243.41%) Land $6,510 Building $266,068	$272,578 (+1,243.41%) Land $6,510 Building $266,068
2023	$307.00 (+3.72%)	$20,290 (-) Land $20,290	$20,290 (-) Land $20,290
2022	$296.00 Additional exemption filed	$20,290 Land $20,290	$20,290 Land $20,290

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

Flood

FEMA maps place 4202 E Garden St 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 4202 E Garden St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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