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4949 E Spruce Dr, Dunnellon, FL 34434 Property Records

Citrus County property record for 4949 E Spruce Dr, Dunnellon, FL 34434

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,430 sqft · built 2001
Lot Size0.889 acres (38,733 sqft)
Owner2 Individual Names on Record
Last Sale$85,000 (Feb 2000)
Tax Bill$3,816 (2025)
Deeds & MortgagesJun 2021 Mortgage
Flood ZoneZone AE (high risk)
APN2417S19E00100030

Property Details

APN / Parcel Number

Primary APN2417S19E00100030
Alternative APNs
  • 19E-17S-24-0010-00000-0030
  • 19E-17S-24-0010-003.0
  • 1572380

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,430 sqft Living Area
Gross Area3,054 sqft
1st Floor Area2,188 sqft
FlooringConcrete/Cement
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialCombination
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialMetal
Lot Area38,733 sqft (0.889 acres)
Lot Dimensions200 ft deep x 260 ft wide
View / LotRiver
Garage TypeAttached
Garage Area624 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area77 sqft
Deck Area60 sqft
Patio Area530 sqft
Utility Building80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number1572380
Street Address4949 E SPRUCE DR
CityDUNNELLON
StateFL
Zip34434-4794
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCLR
Legal DescriptionWITHLACOOCHEE HOMES PB 2 PG 179 LOTS 3 4 5 & 6
Legal Range20E
Legal Township17S
Legal Section30
Legal SubdivisionWITHLACOOCHEE HOMES
Legal Lot Number3
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1048
Census Tract450106

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address4949 E SPRUCE DR, DUNNELLON, FL 34434-4794
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 29, 2000 · Amount on Record
Deed SaleFeb 29, 2000 · Amount on Record
Prior SaleJan 1, 1978 · Amount on Record
Deed Document Number20001118873
Deed Book / Page1351 / 39
Last Transfer DateJan 20, 2011
Transfer Doc0023990735
Record UpdatedJun 8, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address4949 E SPRUCE DR, DUNNELLON, FL 34434-4794
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4949 E SPRUCE DR, DUNNELLON, FL 34434-4794

Mortgage

Document Number0031791831
DateJun 28, 2021
Book Page3179/1831
Instrument2021044136
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,816.00 (+4.29%) Homeowner's exemption$281,782 (-34.97%)$423,125 (-2.36%) Land $78,000 Building $345,125
2024$3,659.00 (+2.38%) Homeowner's exemption Additional exemption filed$433,332 (+2.06%) Land $78,000 Building $355,332$433,332 (+2.06%) Land $78,000 Building $355,332
2023$3,574.00 (+6.81%) Homeowner's exemption Additional exemption filed$424,590 (+11.54%) Land $78,000 Building $346,590$424,590 (+11.54%) Land $78,000 Building $346,590
2022$3,346.00 Homeowner's exemption Additional exemption filed$380,648 Land $78,000 Building $302,648$380,648 Land $78,000 Building $302,648

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 53 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies53 in force
Nearby Flood Claims6 (2017–2024)
Most Recent ClaimOct 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 RiskModerate
above 57% of the US · lower than 69% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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