4720 E Spruce Dr, Dunnellon, FL 34434 Property Records

Citrus County property record for 4720 E Spruce Dr, Dunnellon, FL 34434

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1975
Lot Size	0.692 acres (30,150 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Jun 1997)
Tax Bill	$630 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2417S19E00100540`

Property Details

APN / Parcel Number

Primary APN	`2417S19E00100540`
Alternative APNs	`19E-17S-24-0010-00000-0540` `19E-17S-24-0010-054.0` `1572746`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	1,344 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,150 sqft (0.692 acres)
Lot Dimensions	211 ft deep x 88 ft wide

Exterior Amenities

Pool Area	320 sqft
Porch	Screened Aluminum Porch
Porch Area	564 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1572746
Street Address	4720 E SPRUCE DR
City	DUNNELLON
State	FL
Zip	34434-4748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	WITHLACOOCHEE HOMES PB 2 PG 179 LOT 54 & WITHLACOOCHEE HOMES UNIT 2 PB 4 PG 49 LOT 90
Legal Range	19E
Legal Township	17S
Legal Section	24
Legal Subdivision	WITHLACOOCHEE HOMES
Legal Lot Number	54,90
Legal Unit	2
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1049
Census Tract	450106

Owner

4720 E Spruce Dr is owned and occupied by an individual who acquired it in April 2007.

Source: Citrus County records, as of December 3, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4720 E SPRUCE DR, DUNNELLON, FL 34434-4748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 1997 · Amount on File
Deed Sale	Jun 1, 1997 · Amount on File
Prior Sale	Apr 1, 1994 · Amount on File
Deed Book / Page	1191 / 305
Last Transfer Date	Apr 11, 2007
Transfer Doc	0021150153
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	4720 E SPRUCE DR, DUNNELLON, FL 34434-4748
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 E SPRUCE DR, DUNNELLON, FL 34434-4748

Mortgage

Document Number	0034470206
Date	Feb 23, 2024
Book Page	3447/206
Instrument	2024010278

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	36680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4720 E Spruce Dr was $630 with exemptions applied, up 9.9% from the year before.

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	$630.00 (+9.95%) Homeowner's exemption Widower's exemption	$72,988 (-48.77%)	$139,724 (-1.93%) Land $15,430 Building $124,294
2024	$573.00 (+1.06%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$142,481 (+14.7%) Land $15,430 Building $127,051	$142,481 (+14.7%) Land $15,430 Building $127,051
2023	$567.00 (-7.2%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$124,225 (-9.62%) Land $15,430 Building $108,795	$124,225 (-9.62%) Land $15,430 Building $108,795
2022	$611.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$137,449 Land $7,340 Building $130,109	$137,449 Land $7,340 Building $130,109

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

Flood

FEMA maps place 4720 E Spruce Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Milton, Oct 2024 · 4 claims

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

Wildfire risk around 4720 E Spruce Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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