4659 E Spruce Dr, Dunnellon, FL 34434 Property Records

Citrus County property record for 4659 E Spruce Dr, Dunnellon, FL 34434 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,787 sqft · built 2008
Lot Size	0.488 acres (21,297 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2019)
Tax Bill	$2,804 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`2417S19E00100200`

Property Details

APN / Parcel Number

Primary APN	`2417S19E00100200`
Alternative APNs	`19E-17S-24-0010-020.0` `1572525`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,787 sqft Living Area
1st Floor Area	1,787 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	21,297 sqft (0.488 acres)
Lot Dimensions	213 ft deep x 100 ft wide
Garage Area	441 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	453 sqft
Patio Area	256 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1572525
Old Parcel Number	2417S19E00100200
Street Address	4659 E SPRUCE DR
City	DUNNELLON
State	FL
Zip	34434-4749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHLACOOCHEE HOMES PB 2 PG 179 LOT 20
Legal Range	19E
Legal Township	17S
Legal Section	24
Legal Subdivision	WITHLACOOCHEE HOMES
Legal Lot Number	20
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1048
Census Tract	450106

Owner

Source: Citrus County records · APN 2417S19E00100200

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	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 23, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK FSB
Feb 14, 2019	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Prior Sale	Feb 14, 2019 · Amount on Record
Deed Document Number	2019026407
Deed Book / Page	2978 / 0362
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749

Mortgage

Document Number	0031861142
Date	Jul 20, 2021
Book Page	3186/1142
Instrument	2021049307

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Sep 01, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 23, 2019
Property Address	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749
Document Number	0029780362
Book / Page	2978 / 0362
Map Reference	MB 2 PG 179
Instrument Date	May 08, 2019
Instrument	2019026407
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1711 SW 63RD STREET RD, 1711, OCALA, FL 34476-6894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749

Mortgage

Document Number	29780364
Date	May 23, 2019
Instrument	2978-0364

Lender

Name	STATE FARM BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

February 2019: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CITRUS FL
Recording Date	Feb 14, 2019
Property Address	4659 E SPRUCE DR, DUNNELLON, FL 34434-4749
Document Number	0029560897
Book / Page	002956 / 000897
Instrument Date	Feb 08, 2019
Instrument	7247
Transaction Type	Foreclosure
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1711 SW 63RD STREET RD OCALA FL 344766894, OCALA, FL 34476-6894

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,804.00 (+4.82%) Homeowner's exemption Additional exemption filed	$311,515 (-3.14%) Land $37,500 Building $274,015	$311,515 (-3.14%) Land $37,500 Building $274,015
2024	$2,675.00 (+2.53%) Homeowner's exemption Additional exemption filed	$321,599 (+2.41%) Land $37,500 Building $284,099	$321,599 (+2.41%) Land $37,500 Building $284,099
2023	$2,609.00 (+6.93%) Homeowner's exemption Additional exemption filed	$314,043 (+13.1%) Land $37,500 Building $276,543	$314,043 (+13.1%) Land $37,500 Building $276,543
2022	$2,440.00 Homeowner's exemption Additional exemption filed	$277,675 Land $37,500 Building $240,175	$277,675 Land $37,500 Building $240,175

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174501061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 53 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 4 claims

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 30% of Florida
Wildfire Likelihood	About 1 in 662 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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