509 E Harvard St, Inverness, FL 34452 Property Records

Citrus County property record for 509 E Harvard St, Inverness, FL 34452

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1988
Lot Size	0.221 acres (9,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,600 (Feb 2002)
Tax Bill	$2,965 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02000-1930`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02000-1930`
Alternative APNs	`2119S20E0020020001930` `1996091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,533 sqft Living Area
Gross Area	1,884 sqft
1st Floor Area	1,323 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	9,625 sqft (0.221 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	351 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	48 sqft
Deck Area	340 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1996091
Street Address	509 E HARVARD ST
City	INVERNESS
State	FL
Zip	34452-6718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 193 & 194 BLK 200
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	200
Legal Lot Number	193-1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1003
Census Tract	451104

Owner

Source: Citrus County records, as of March 11, 2026

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	509 E HARVARD ST, INVERNESS, FL 34452-6718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2002 · Amount on Record
Deed Sale	Feb 21, 2002 · Amount on Record
Prior Sale	Nov 1, 1989 · Amount on Record
Deed Document Number	20021241048
Deed Book / Page	1486 / 1169
Last Transfer Date	Jul 30, 2021
Transfer Doc	0031971666
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Aug 20, 2021
Property Address	509 E HARVARD ST, INVERNESS, FL 34452-6718
Document Number	0031971666
Book / Page	3197 / 1666
Map Reference	MB 3 PG 51-66
Instrument Date	Jul 30, 2021
Instrument	2021057635
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	ERIC A, INVERNESS, FL 34452

Mortgage

Document Number	0031971668
Date	Aug 20, 2021
Instrument	3197/1668

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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	$2,965.00 (+5.78%)	$223,000 (-2.18%) Land $7,760 Building $215,240	$223,000 (-2.18%) Land $7,760 Building $215,240
2024	$2,803.00 (+2.9%)	$227,976 (-1.7%) Land $7,120 Building $220,856	$227,976 (-1.7%) Land $7,120 Building $220,856
2023	$2,724.00 (+14.6%)	$231,930 (+15.26%) Land $6,400 Building $225,530	$231,930 (+15.26%) Land $6,400 Building $225,530
2022	$2,377.00	$201,223 Land $5,520 Building $195,703	$201,223 Land $5,520 Building $195,703

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	7 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	Indirect within ember reach

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 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