4414 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4414 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,404 sqft · built 1981
Lot Size	0.324 acres (14,099 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Feb 2020)
Tax Bill	$1,140 (2025)
Deeds & Mortgages	Jun 2022 Transfer Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`19E-17S-36-0010-00210-1090`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-1090`
Alternative APNs	`3617S19E0010002101090` `1582598`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	1,620 sqft
1st Floor Area	1,404 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	14,099 sqft (0.324 acres)
Lot Dimensions	164 ft deep x 82 ft wide
View / Lot	Lake Front
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	216 sqft
Patio Area	108 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1582598
Street Address	4414 E SHOREWOOD DR
City	HERNANDO
State	FL
Zip	34442-3876
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	RIVER LAKES MANOR UNIT 1 LOT 109 BLK 21
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	109
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2010
Census Tract	450105

Owner

4414 E Shorewood Dr is owned and occupied by two individuals who acquired it in June 2022.

Source: Citrus County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Occupancy	Owner Occupied
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
Jun 23, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Feb 3, 2020	Warranty Deed, Transfer · Construction Mortgage BLACKWELL GARY L TRUST (PT)
Aug 21, 2018	Warranty Deed, Transfer · Conventional Mortgage JAMES R CHASSER
Aug 21, 2018	Warranty Deed, Transfer AMERICAN TITLE SERVICES CITRUS COMPANY
Mar 23, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Prior Sale	Aug 21, 2018 · Amount on File
Deed Document Number	20205706
Deed Book / Page	3035 / 2346
Last Transfer Date	Jun 16, 2022
Transfer Doc	0032961316
Record Updated	Jun 8, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Jun 23, 2022
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0032961316
Book / Page	3296 / 1316
Map Reference	MB 3 PG 96-101
Instrument Date	Jun 16, 2022
Instrument	2022044939
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4414 E SHOREWOOD DR, 4414, HERNANDO, FL 34442-3876

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030501920
Date	Apr 1, 2020
Book Page	3050/1920
Instrument	2020017700

Lender

Name	CADENCE BANK NA
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 3, 2020
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0030352346
Book / Page	003035 / 002346
Instrument Date	Jan 25, 2020
Instrument	5706
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	AMERICAN TITLE SERVICES CITRUS COMPANY, AMERICAN TITLE SVCS CITRUS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4414 E SHOREWOOD DR HERNANDO FL 344423876, HERNANDO, FL 34442-3876

Mortgage

Document Number	30352348
Date	Feb 3, 2020
Book Page	003035/002348
Instrument	5707

Lender

Name	BLACKWELL GARY L TRUST (PT)
Address	PO BOX 1085, NEW PORT RICHEY, FL 34656-1085

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 2, 2021

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 21, 2018
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0029211285
Book / Page	002921 / 001285
Instrument Date	Aug 17, 2018
Instrument	42339
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4414 E SHOREWOOD DR HERNANDO FL 344423876, HERNANDO, FL 34442-3876

Mortgage

Document Number	29211286
Date	Aug 21, 2018
Book Page	002921/001286
Instrument	42340

Lender

Name	JAMES R CHASSER
Address	2986 E BRIGADOON CT, HERNANDO, FL 34442-5425
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 20, 2028

Interest

Rate	6%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 21, 2018
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0029211284
Book / Page	002921 / 001284
Instrument Date	Aug 15, 2018
Instrument	42338
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	AMERICAN TITLE SERVICES CITRUS COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 E BRIGADOON CT HERNANDO FL 344425425, HERNANDO, FL 34442-5425

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 23, 2018
Property Address	4414 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0028882296
Book / Page	002888 / 002296
Instrument Date	Mar 19, 2018
Instrument	14460
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 E BRIGADOON CT HERNANDO FL 344425425, HERNANDO, FL 34442-5425

Tax Assessment & Valuation

The 2025 property tax bill for 4414 E Shorewood Dr was $1,140 with a homeowner's exemption, up 7.9% from the year before.

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	$1,140.00 (+7.85%) Homeowner's exemption	$104,108 (-40.92%)	$198,032 (+12.38%) Land $24,700 Building $173,332
2024	$1,057.00 (+3.32%) Homeowner's exemption Additional exemption filed	$176,220 (+12.09%) Land $19,680 Building $156,540	$176,220 (+12.09%) Land $19,680 Building $156,540
2023	$1,023.00 (+6.9%) Homeowner's exemption Additional exemption filed	$157,212 (-8.08%) Land $21,870 Building $135,342	$157,212 (-8.08%) Land $21,870 Building $135,342
2022	$957.00 Homeowner's exemption Additional exemption filed	$171,032 Land $18,630 Building $152,402	$171,032 Land $18,630 Building $152,402

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

Flood

FEMA maps place 4414 E Shorewood Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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 4414 E Shorewood Dr is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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