4440 E Shorewood Dr, Hernando, FL 34442 Property Records

Citrus County property record for 4440 E Shorewood Dr, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1961
Lot Size	0.329 acres (14,329 sqft)
Owner	Individual Name on Record
Last Sale	$38,000 (Apr 2025)
Tax Bill	$2,359 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Apr 2018 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`19E-17S-36-0010-00210-1110`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00210-1110`
Alternative APNs	`3617S19E0010002101110` `1582610`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,272 sqft
1st Floor Area	840 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1976
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	14,329 sqft (0.329 acres)
Lot Dimensions	157 ft deep x 81 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1582610
Street Address	4440 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 111 BLK 21
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	21
Legal Lot Number	111
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 December 3, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	4440 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2020	Warranty Deed, Transfer · Conventional Mortgage BRANNEN BANK
Apr 23, 2018	Warranty Deed, Transfer AMERICAN TITLE COMPANY
Aug 9, 2017	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Mar 18, 2025 · Amount on Record
Deed Document Number	202524201
Deed Book / Page	3559 / 1438
Prior Transfer Date	Apr 14, 2025
Prior Transfer Doc	0035591438
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 2, 2020
Property Address	4440 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0030640419
Book / Page	3064 / 419
Map Reference	MB 3 PG 96-101
Instrument Date	Jun 1, 2020
Instrument	2020027965
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4440 E SHOREWOOD DR, 4440, HERNANDO, FL 34442-3876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9470 JAVA RD, WEBSTER, FL 33597-9257
Investor	Possibly a Property Investor

Mortgage

Document Number	0003064421
Date	Jun 2, 2020
Instrument	3064/421

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 23, 2018
Property Address	4440 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0028950434
Book / Page	002895 / 000434
Instrument Date	Apr 20, 2018
Instrument	19772
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 LANE 240A BIG OTTER LK FREMONT IN 467379494, FREMONT, IN 46737-9494

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 9, 2017
Property Address	4440 E SHOREWOOD DR, HERNANDO, FL 34442-3876
Document Number	0028452227
Book / Page	002845 / 002227
Instrument Date	Aug 9, 2017
Instrument	36982
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12835 GRAND TRAVERSE DR DADE CITY FL 335258251, DADE CITY, FL 33525-8251

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	$2,359.00 (+12.39%)	$153,352 (+12.85%) Land $25,300 Building $128,052	$153,352 (+12.85%) Land $25,300 Building $128,052
2024	$2,099.00 (+7.97%)	$135,895 (+9.48%) Land $20,410 Building $115,485	$135,895 (+9.48%) Land $20,410 Building $115,485
2023	$1,944.00 (+6.58%)	$124,127 (-5.16%) Land $22,680 Building $101,447	$124,127 (-5.16%) Land $22,680 Building $101,447
2022	$1,824.00	$130,883 Land $19,320 Building $111,563	$130,883 Land $19,320 Building $111,563

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 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 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

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