501 Spruce St, Inverness, FL 34452 Property Records

Citrus County property record for 501 Spruce St, Inverness, FL 34452

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,386 sqft · built 1990
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$100 (May 2005)
Tax Bill	$608 (2025)
Deeds & Mortgages	May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02290-0060`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02290-0060`
Alternative APNs	`2119S20E0020022900060` `1998239`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	2,066 sqft
1st Floor Area	1,386 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	5 Parking Spaces
Porch	Screened Aluminum Porch
Porch Area	290 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1998239
Street Address	501 SPRUCE ST
City	INVERNESS
State	FL
Zip	34452-6474
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 6 & 7 BLK 229
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	229
Legal Lot Number	6,7
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1031
Census Tract	451103

Owner

Source: Citrus County records, as of August 24, 2026

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	501 SPRUCE ST, INVERNESS, FL 34452-6474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2005 · Amount on Record
Deed Sale	May 1, 2005 · Amount on Record
Prior Sale	Dec 1, 1989 · Amount on Record
Deed Book / Page	1856 / 1410
Last Transfer Date	May 10, 2024
Transfer Doc	0034700021
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	501 SPRUCE ST, INVERNESS, FL 34452-6474
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 SPRUCE ST, INVERNESS, FL 34452-6474

Mortgage

Document Number	0033760161
Date	May 4, 2023
Book Page	3376/161
Instrument	2023025928

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 3, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$608.00 (+10.34%)	$68,880 (-62.32%)	$177,495 (-2.91%) Land $7,760 Building $169,735
2024	$551.00 (+1.1%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$182,818 (+0.4%) Land $7,120 Building $175,698	$182,818 (+0.4%) Land $7,120 Building $175,698
2023	$545.00 (-7.63%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$182,091 (+15.29%) Land $6,400 Building $175,691	$182,091 (+15.29%) Land $6,400 Building $175,691
2022	$590.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$157,936 Land $5,520 Building $152,416	$157,936 Land $5,520 Building $152,416

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

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