4420 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4420 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,526 sqft · built 2006
Lot Size	0.315 acres (13,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Dec 2017)
Tax Bill	$2,036 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-17S-36-0010-00210-1100`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-1100`
Alternative APNs	`3617S19E0010002101100` `1582601`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	2,168 sqft
1st Floor Area	1,526 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	13,715 sqft (0.315 acres)
Lot Dimensions	143 ft deep x 81 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	333 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1582601
Street Address	4420 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 PB 3 PG 96 LOT 110 BLK 21
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	110
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2010
Census Tract	450105

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 28, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Dec 5, 2017	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2017 · Amount on Record
Deed Sale	Dec 5, 2017 · Amount on Record
Prior Sale	Jan 1, 1993 · Amount on Record
Deed Document Number	201755009
Deed Book / Page	2867 / 888
Last Transfer Date	Jun 17, 2019
Transfer Doc	0029862127
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876

Mortgage

Document Number	0032082318
Date	Sep 24, 2021
Book Page	3208/2318
Instrument	2021066346

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Nov 29, 2021
Property Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0032291018
Book / Page	3229 / 1018
Map Reference	MB 3 PG 96-101
Instrument Date	Oct 22, 2021
Instrument	2021081843
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2470 W SHAW PL, CITRUS SPRINGS, FL 34434

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 28, 2019
Property Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0029862127
Book / Page	002986 / 002127
Instrument Date	Jun 17, 2019
Instrument	33845
Transaction Type	Transfer
Record Updated	Jul 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4420 E SHOREWOOD DR HERNANDO FL 344423876, HERNANDO, FL 34442-3876

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 5, 2017
Property Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0028670888
Book / Page	2867 / 0888
Map Reference	MB3 PG96-101
Instrument Date	Dec 4, 2017
Instrument	2017055009
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	AMERICAN TITLE SVCS OF CIRTU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4635 N CARL G ROSE HWY, 4635, HERNANDO, FL 34442-4130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4420 E SHOREWOOD DR, HERNANDO, FL 34442-3876

Mortgage

Document Number	2017055010
Date	Dec 5, 2017
Instrument	2017055010

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$2,036.00 (+5.6%) Homeowner's exemption	$164,542 (-34.87%)	$281,501 (+11.43%) Land $24,500 Building $257,001
2024	$1,928.00 (+2.77%) Homeowner's exemption Additional exemption filed	$252,630 (+11.94%) Land $19,440 Building $233,190	$252,630 (+11.94%) Land $19,440 Building $233,190
2023	$1,876.00 (+6.89%) Homeowner's exemption Additional exemption filed	$225,693 (-7.46%) Land $21,600 Building $204,093	$225,693 (-7.46%) Land $21,600 Building $204,093
2022	$1,755.00 Homeowner's exemption Additional exemption filed	$243,880 Land $18,400 Building $225,480	$243,880 Land $18,400 Building $225,480

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Nearby Properties on E Shorewood Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures