4650 E Amherst St, Hernando, FL 34442 Property Records

Citrus County property record for 4650 E Amherst St, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	1,480 sqft Living Area
Lot Size	376,794 sqft (8.64 acres)
Occupancy	Owner Occupied
Last Sale	$579,000 (2023)
Tax Bill	$1,869.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-25-13000-00C.0

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	4650 E AMHERST ST, HERNANDO, FL 34442-3400
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Warranty Deed, Transfer · Conventional Mortgage FLORIDA CU
Nov 04, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Nov 05, 2020	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) R P FNDG INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2023 · Amount on Record
Deed Sale	Apr 10, 2023 · Amount on Record
Prior Sale	May 05, 2000 · Amount on Record
Deed Doc Number	2023020057
Deed Book / Page	3368 / 2325
Record Refreshed	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Apr 10, 2023
Property Address	4650 E AMHERST ST, HERNANDO, FL 34442-3400
Document Number	0033682325
Book / Page	3368 / 2325
Map Reference	MB 2 PG 19-24
Instrument Date	Apr 07, 2023
Instrument	2023020057
Transaction Type	Transfer
Record Updated	May 04, 2023
Title Company	CITRUS TITLE CO LLC, CITRUS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,053.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 40, HERNANDO, FL 34441-0040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 E AMHERST ST, INVERNESS, FL 34452

Mortgage

Document Number	0033682327
Date	Apr 10, 2023
Instrument	3368/2327

Lender

Name	FLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	May 01, 2028
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	11.7%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4650 E AMHERST ST, HERNANDO, FL 34442-3400
Transaction Type	Mortgage
Record Updated	Dec 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 E AMHERST ST, HERNANDO, FL 34442-3400

Mortgage

Document Number	0033330325
Date	Nov 04, 2022
Book Page	3333/325
Instrument	2022075177

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Nov 03, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4650 E AMHERST ST, HERNANDO, FL 34442-3400
Document Number	0031100902
Instrument Date	Nov 05, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	PO BOX 40 HERNANDO FL 344410040, HERNANDO, FL 34441-0040

Mortgage

Document Number	0031100902
Date	Nov 19, 2020
Book Page	003110/000902
Instrument	63406

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2050

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,869.00 (-59.91%) Homeowner's exemption Additional exemption filed	$294,900 (-2.76%) Land $70,940 Building $223,960	$294,900 (-2.76%) Land $70,940 Building $223,960
2024	$4,662.00 (+125.65%)	$303,270 (+6.15%) Land $70,940 Building $232,330	$303,270 (+6.15%) Land $70,940 Building $232,330
2023	$2,066.00 (+3.56%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$285,690 (+8.88%) Land $70,940 Building $214,750	$285,690 (+8.88%) Land $70,940 Building $214,750
2022	$1,995.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$262,400 Land $70,940 Building $191,460	$262,400 Land $70,940 Building $191,460

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 552 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-25-13000-00C.0`
Alternative APNs	`2518S19E1300000C0` `2961422`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,480 sqft Living Area
1st Floor	1,480 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring

Exterior

Year Built	Built 2001
Architectural Style	Other Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Foundation Type	Footing Foundation
Roof Construction	Hip Roof Construction
Roof Material	Metal Roof
Lot Area	376,794 sqft (8.64 acres)
Depth X Width	559 ft x 658 ft Depth x Width
Parking Spaces	7 Parking Spaces
Garage Area	441 sqft Garage

Exterior Amenities

Patio Area	240 sqft Patio
Porch	Open Porch
Porch Area	684 sqft Porch
Pole Structure	528 sqft Pole Structure
Utility Building	288 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	2961422
Old Parcel Number	2518S19E1300000C0
Street Address	4650 E AMHERST ST
City	HERNANDO
State	FL
Zip	34442-3400
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PARSONS POINT ADDITION TO HERNANDO PB 2 PG 19 - 23 LOT 52 BLK 23. ---AND--- THAT PART GOVT LOT 2 SEC 25 TWN 18S RNG 19E MORE
Legal Range	19E
Legal Township	18S
Legal Section	25
Legal Subdivision	UNREC TRACTS IN 25-18S-19E
Legal Block	23
Legal Lot Number	2,52,61
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	3
Census Block	3009
Census Tract	450800

4650 E Amherst St, Hernando, FL 34442 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Nearby Properties on E Amherst St

Nearby Streets

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