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4981 E Spruce Dr, Dunnellon, FL 34434 Property Records

Citrus County property record for 4981 E Spruce Dr, Dunnellon, FL 34434

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,284 sqft · built 2001
Lot Size0.851 acres (37,078 sqft)
Owner2 Individual Names on Record
Last Sale$430,000 (Aug 2020)
Tax Bill$5,327 (2025)
Deeds & MortgagesNov 2018 Mortgage
Jun 2021 Transfer
+ 3 more
Flood ZoneZone AE (high risk)
APN20E-17S-30-44301

Property Details

APN / Parcel Number

Primary APN20E-17S-30-44301
Alternative APNs
  • 20E-17S-30-0000-44301
  • 3017S20E44301
  • 3475913

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,284 sqft Living Area
Gross Area4,494 sqft
1st Floor Area2,284 sqft
FlooringConcrete/Cement

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialMetal
Lot Area37,078 sqft (0.851 acres)
Lot Dimensions197 ft deep x 300 ft wide
View / LotRiver
Garage TypeAttached
Garage Area1,430 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchFinished/Screened Porch
Porch Area1,284 sqft
Deck Area55 sqft
Patio Area769 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number3475913
Street Address4981 E SPRUCE DR
CityDUNNELLON
StateFL
Zip34434-4794
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCLR
Legal DescriptionTRACT 1: THAT PTN OF LANDS LYING IN SECTIONS 19 AND 30 TWP 17 RGE 20 CITRUS CO FL BEING MORE PART DESC AS FOLL: COM AT A CONCRETE MONUMENT AT THE SW CORN OF LOT 2 WITHLACOOCHEE HOMES ACC TO THE PLAT THEREOF AS REC IN PB 2 PG 179 OF THE PRCCF FOR A PT
Legal Range20E
Legal Township17S
Legal Section30
Legal SubdivisionUNREC TRACTS IN 30-17S-20E
Legal Tract1
Legal Block44301
Legal Lot Number2
JurisdictionCITRUS FL
Township / Civil DivisionINVERNESS
Census Block Group1
Census Block1048
Census Tract450106

Owner

Source: Citrus County records, as of March 6, 2026

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 Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Nov 6, 2018Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Jun 18, 2021Intrafamily Transfer, Transfer
ATTORNEY
Aug 24, 2020Warranty Deed, Transfer · Conventional Mortgage
BAYSHORE MORTGAGE FUNDING LLC
Oct 19, 2018Quit Claim Deed
Quitclaim
Oct 9, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 24, 2020 · Amount on Record
Deed SaleAug 24, 2020 · Amount on Record
Prior SaleApr 29, 2016 · Amount on Record
Deed Document Number202044171
Deed Book / Page3085 / 1038
Prior Transfer DateOct 19, 2018
Prior Transfer Doc0029332397
Record UpdatedJun 8, 2026

November 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
Transaction TypeMortgage
Record UpdatedJul 14, 2021
Title CompanySERVICELINK LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029372053
DateNov 6, 2018
Book Page2937/2053
Instrument2018056024
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2048

June 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCITRUS FL
Recording DateJun 18, 2021
Property Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
Document Number0031761930
Book / Page3176 / 1930
Instrument DateJun 1, 2021
Instrument2021041931
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCITRUS FL
Recording DateAug 24, 2020
Property Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
Document Number0030851038
Book / Page3085 / 1038
Instrument DateAug 12, 2020
Instrument2020044171
Transaction TypeTransfer
Record UpdatedJul 14, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4981 E SPRUCE DR, 4981, DUNNELLON, FL 34434-4794

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 484, WOFFORD HEIGHTS, CA 93285-0484

Mortgage

Document Number30851042
DateAug 24, 2020
Instrument3085/1042
Lender
NameBAYSHORE MORTGAGE FUNDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

October 2018: Quit Claim Deed

Document TypeQuit Claim Deed
JurisdictionCITRUS FL
Recording DateOct 19, 2018
Property Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
Document Number0029332397
Book / Page002933 / 002397
Instrument DateOct 19, 2018
Instrument52862
Record UpdatedNov 5, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4981 E SPRUCE DR DUNNELLON FL 344344794, DUNNELLON, FL 34434-4794

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCITRUS FL
Recording DateOct 9, 2018
Property Address4981 E SPRUCE DR, DUNNELLON, FL 34434-4794
Document Number0029320063
Book / Page002932 / 000063
Instrument DateOct 9, 2018
Instrument51137
Transaction TypeTransfer
Record UpdatedNov 5, 2018

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4981 E SPRUCE DR DUNNELLON FL 344344794, DUNNELLON, FL 34434-4794

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$5,327.00 (+3.88%) Homeowner's exemption$383,708 (-21.79%)$473,401 (-3.51%) Land $78,410 Building $394,991
2024$5,128.00 (+2.27%) Homeowner's exemption Additional exemption filed$490,641 (+2.69%) Land $78,410 Building $412,231$490,641 (+2.69%) Land $78,410 Building $412,231
2023$5,014.00 (+6.84%) Homeowner's exemption Additional exemption filed$477,789 (+13.23%) Land $78,410 Building $399,379$477,789 (+13.23%) Land $78,410 Building $399,379
2022$4,693.00 Homeowner's exemption Additional exemption filed$421,950 Land $78,410 Building $343,540$421,950 Land $78,410 Building $343,540

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 38 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
AT&T
Fixed Wireless		100 / 20

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