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428 W Cobblestone Loop, #49, Hernando, FL 34442 Property Records

Citrus County property record for 428 W Cobblestone Loop, #49, Hernando, FL 34442 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,671 sqft · built 2007
Lot Size0.287 acres (12,499 sqft)
Owner2 Individual Names on File
Last Sale$410,000 (Apr 2024)
Tax Bill$4,201 (2025)
Deeds & MortgagesFeb 2026 Line of Credit
Mar 2026 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN2418S18E00700490

Property Details

APN / Parcel Number

Primary APN2418S18E00700490
Alternative APNs
  • 18E-18S-24-0070-00000-0490
  • 18E-18S-24-0070-049.0
  • 3370354

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,671 sqft Living Area
Gross Area3,243 sqft
1st Floor Area2,671 sqft
FlooringConcrete/Cement
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialFiberglass
Lot Area12,499 sqft (0.287 acres)
Lot Dimensions180 ft deep x 70 ft wide
Garage TypeAttached
Garage Area572 sqft
Parking Spaces7 Parking Spaces
PorchFinished/Open Porch
Porch Area355 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number3370354
Street Address428 W COBBLESTONE LOOP, 49
CityHERNANDO
StateFL
Zip34442-6328
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERITAGE PB 18 PGS 36-39 LOT 49
Legal Range18E
Legal Township18S
Legal Section24
Legal SubdivisionHERITAGE PB 18 PG 36-39
Legal Lot Number49
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1000
Census Tract450703

Owner

Source: Citrus County records · APN 2418S18E00700490

Assessment roll updated December 3, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2026Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Mar 12, 2026Deed, Transfer
ACCOMODATION, ACCOMMODATION
Mar 12, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 09, 2024Warranty Deed, Transfer · Conventional Mortgage
PENTAGON FCU
Mar 22, 2022Special Warranty Deed, Transfer · Conventional Mortgage
HOMESTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 09, 2024 · Amount on Record
Deed SaleApr 09, 2024 · Amount on Record
Prior SaleMar 22, 2022 · Amount on Record
Deed Document Number202420147
Deed Book / Page3458 / 1266
Last Transfer DateFeb 18, 2026
Transfer Doc0036501394
Record UpdatedJun 08, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Transaction TypeMortgage
Record UpdatedApr 02, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328

Mortgage

Document Number0036451400
DateFeb 24, 2026
Book Page3645/1400
Instrument2026010690
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueMar 04, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2026: Deed, Transfer

Document TypeDeed
JurisdictionCITRUS FL
Recording DateMar 12, 2026
Property Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Document Number0036501393
Book / Page3650 / 1393
Map ReferenceMB 18 PG 36
Instrument DateFeb 18, 2026
Instrument2026014356
Transaction TypeTransfer
Record UpdatedApr 01, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 2410, CRYSTAL RIVER, FL 34423-2410

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateMar 12, 2026
Property Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Document Number0036501394
Book / Page3650 / 1394
Map ReferenceMB 18 PG 36
Instrument DateFeb 18, 2026
Instrument2026014357
Transaction TypeTransfer
Record UpdatedApr 01, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateApr 09, 2024
Property Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Document Number0034581266
Book / Page3458 / 1266
Map ReferenceMB 18 PG 36
Instrument DateApr 01, 2024
Instrument2024020147
Transaction TypeTransfer
Record UpdatedMay 01, 2024
Title CompanyEXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address1806 W ANGELICA LOOP, LECANTO, FL 34461-6421

Mortgage

Document Number0034581268
DateApr 09, 2024
Instrument3458/1268
Lender
NamePENTAGON FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMay 01, 2039

March 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCITRUS FL
Recording DateMar 22, 2022
Property Address428 W COBBLESTONE LOOP, HERNANDO, FL 34442-6328
Document Number0032652372
Book / Page3265 / 2372
Map ReferenceMB 18 PG 36
Instrument DateMar 17, 2022
Instrument2022020420
Transaction TypeTransfer
Record UpdatedApr 02, 2026
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,695.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1502 N ABALONE TER, HERNANDO, FL 34442-3301

Transferred To (Grantee/Buyer)

NameVerified Name
Address428 W COBBEISTONE LOOP, HERNANDO, FL 34442

Mortgage

Document Number0032652374
DateMar 22, 2022
Instrument3265/2374
Lender
NameHOMESTAR FINANCIAL CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,201.00 (+8.78%)$316,163 (-5.46%) Land $30,910 Building $285,253$316,163 (-5.46%) Land $30,910 Building $285,253
2024$3,862.00 (+1.05%) Homeowner's exemption Additional exemption filed$334,425 (+4.7%) Land $30,910 Building $303,515$334,425 (+4.7%) Land $30,910 Building $303,515
2023$3,822.00 (-16.24%) Homeowner's exemption Additional exemption filed$319,418 (-2.66%) Land $28,560 Building $290,858$319,418 (-2.66%) Land $28,560 Building $290,858
2022$4,563.00$328,159 Land $28,560 Building $299,599$328,159 Land $28,560 Building $299,599

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174507031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 22 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies22 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 153 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

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