4817 E Spruce Dr, Dunnellon, FL 34434 Property Records

Citrus County property record for 4817 E Spruce Dr, Dunnellon, FL 34434

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1960
Lot Size	1.14 acres (49,707 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Feb 2021)
Tax Bill	$2,522 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`2417S19E00100120`

Property Details

APN / Parcel Number

Primary APN	`2417S19E00100120`
Alternative APNs	`19E-17S-24-0010-012.0` `1572452`

Interior

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

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	49,707 sqft (1.14 acres)
Lot Dimensions	240 ft deep x 200 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	764 sqft
Fence	Fence
Utility Building	80 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1572452
Old Parcel Number	2417S19E00100120
Street Address	4817 E SPRUCE DR
City	DUNNELLON
State	FL
Zip	34434-4794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR COASTAL LAKES & RVRS
Legal Description	WITHLACOOCHEE HOMES LOTS 12 & 13 DESC IN OR BK 825 PG 2104
Legal Range	19E
Legal Township	17S
Legal Section	24
Legal Subdivision	WITHLACOOCHEE HOMES
Legal Lot Number	12-13 13
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1048
Census Tract	450106

Owner

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	Individual Name on Record
Mailing Address	1035 WITHLACOOCHEE ST, SAFETY HARBOR, FL 34695-3438
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2021 · Amount on Record
Deed Sale	Feb 4, 2021 · Amount on Record
Deed Document Number	2021007049
Deed Book / Page	3132 / 73
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 4, 2021
Property Address	4817 E SPRUCE DR, DUNNELLON, FL 34434-4794
Document Number	0031320073
Book / Page	3132 / 73
Map Reference	MB 2 PG 179
Instrument Date	Feb 3, 2021
Instrument	2021007049
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,106.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5925 E ANNA JO DR, 5925, INVERNESS, FL 34452-8401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 WITHLACOOCHEE ST, SAFETY HARBOR, FL 34695-3438

Mortgage

Document Number	313275
Date	Feb 4, 2021
Instrument	3132/75

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 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	$2,522.00 (-0.47%)	$157,842 (-2.41%) Land $48,000 Building $109,842	$157,842 (-2.41%) Land $48,000 Building $109,842
2024	$2,534.00 (+2.8%)	$161,738 (-0.83%) Land $48,000 Building $113,738	$161,738 (-0.83%) Land $48,000 Building $113,738
2023	$2,465.00 (+19.43%)	$163,099 (+21.94%) Land $48,000 Building $115,099	$163,099 (+21.94%) Land $48,000 Building $115,099
2022	$2,064.00 Additional exemption filed	$133,749 Land $48,000 Building $85,749	$133,749 Land $48,000 Building $85,749

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 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	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

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