5085 N Agate Ter, Hernando, FL 34442 Property Records

Citrus County property record for 5085 N Agate Ter, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 2017
Lot Size	0.683 acres (29,777 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,973 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-11-0010-000B0-001.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-11-0010-000B0-001.0`
Alternative APNs	`1118S19E0010000B00010` `3521692`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,588 sqft Living Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	29,777 sqft (0.683 acres)
Lot Dimensions	133 ft deep x 118 ft wide
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3521692
Old Parcel Number	1118S19E0010000B00010
Street Address	5085 N AGATE TER
City	HERNANDO
State	FL
Zip	34442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	WILLOLA HTS UNIT 1 LOTS 1 & 2 BLK B ---SUBJ--- TO UTILITY GUYING EASE AS DESC IN OR BK 2806 PG 1852
Legal Range	19E
Legal Township	18S
Legal Section	11
Legal Subdivision	WILLOLA HEIGHTS UNIT 1
Legal Block	B
Legal Lot Number	1-2 2
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1007
Census Tract	450105

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	2 Individual Names on Record
Mailing Address	5026 N EMERALD DR, HERNANDO, FL 34442-3933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 8, 2017	Loan Modification, Mortgage CAPITAL CTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2016
Deed Sale	Aug 1, 2016
Deed Document Number	0002773536
Deed Book / Page	2773 / 536
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5085 N AGATE TER, HERNANDO, FL 34442
Transaction Type	Mortgage
Record Updated	Nov 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5026 N EMERALD DR, HERNANDO, FL 34442-3933

Mortgage

Document Number	0031372376
Date	Feb 24, 2021
Book Page	3137/2376
Instrument	2021011663

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	5085 N AGATE TER, HERNANDO, FL 34442
Document Number	0028271417
Book / Page	002827 / 001417
Instrument Date	May 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	FIRST INT'L TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5026 N EMERALD DR HERNANDO FL 34442, HERNANDO, FL 34442

Mortgage

Document Number	0028271417
Date	May 8, 2017
Book Page	002827/001417
Instrument	21575

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 7, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$1,973.00 (+5.85%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$257,903 (+3.94%) Land $10,570 Building $247,333	$257,903 (+3.94%) Land $10,570 Building $247,333
2024	$1,864.00 (+2.87%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$248,116 (+5.98%) Land $11,250 Building $236,866	$248,116 (+5.98%) Land $11,250 Building $236,866
2023	$1,812.00 (+7.03%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$234,114 (+14.24%) Land $11,250 Building $222,864	$234,114 (+14.24%) Land $11,250 Building $222,864
2022	$1,693.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$204,925 Land $7,450 Building $197,475	$204,925 Land $7,450 Building $197,475

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
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Water System	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 137 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

Cell Coverage

5G (outdoors only) and 4G LTE

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