Citrus County property record for 4651 E Spruce Dr, Dunnellon, FL 34434
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1965 |
| Lot Size | 0.49 acres (21,379 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $30,000 (Jun 2004) |
| Tax Bill | $27 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 2417S19E00100210 |
| Primary APN | 2417S19E00100210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Split Level |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 21,379 sqft (0.49 acres) |
| Lot Dimensions | 204 ft deep x 100 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 220 sqft |
| Deck Area | 132 sqft |
| Patio Area | 132 sqft |
| Fence | Fence |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1572533 |
|---|---|
| Old Parcel Number | 2417S19E00100210 |
| Street Address | 4651 E SPRUCE DR |
| City | DUNNELLON |
| State | FL |
| Zip | 34434-4749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CLR COASTAL LAKES & RVRS |
| Legal Description | WITHLACOOCHEE HOMES LOT 21 & BEG AT PT ON S LN OF LT 22 IN SEC 24-17-19 THAT IS N 52DEG 22M W 11.39 FT FROM SE COR FOR POB TH |
| Legal Range | 19E |
| Legal Township | 17S |
| Legal Section | 24 |
| Legal Subdivision | WITHLACOOCHEE HOMES |
| Legal Lot Number | 21-22 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 450106 |
Source: Citrus County records, as of December 10, 2025
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 | 4651 E SPRUCE DR, DUNNELLON, FL 34434-4749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 8, 2018 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2004 · Amount on Record |
| Deed Sale | Jun 25, 2004 · Amount on Record |
| Prior Sale | Feb 27, 2004 · Amount on Record |
| Deed Document Number | 2004043930 |
| Deed Book / Page | 1735 / 1191 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 4651 E SPRUCE DR, DUNNELLON, FL 34434-4749 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0031780062 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 3178/62 |
| Instrument | 2021042911 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 4651 E SPRUCE DR, DUNNELLON, FL 34434-4749 |
| Document Number | 0029070319 |
| Instrument Date | Jun 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4651 E SPRUCE DR DUNNELLON FL 344344749, DUNNELLON, FL 34434-4749 |
| Document Number | 0029070319 |
|---|---|
| Date | Jun 13, 2018 |
| Book Page | 002907/000319 |
| Instrument | 30043 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 12, 2048 |
Source: Citrus County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27.00 Homeowner's exemption Additional exemption filed | $154,868 (-2.63%) Land $38,380 Building $116,488 | $154,868 (-2.63%) Land $38,380 Building $116,488 |
| 2024 | $27.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $159,056 (+7.76%) Land $38,380 Building $120,676 | $159,056 (+7.76%) Land $38,380 Building $120,676 |
| 2023 | $27.00 (-98.62%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed | $147,599 (+10.96%) Land $38,380 Building $109,219 | $147,599 (+10.96%) Land $38,380 Building $109,219 |
| 2022 | $1,959.00 | $133,022 Land $38,380 Building $94,642 | $133,022 Land $38,380 Building $94,642 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 53 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 53 in force |
| Nearby Flood Claims | 6 (2017–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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