512 Spruce St, Inverness, FL 34452 Property Records

Citrus County property record for 512 Spruce St, Inverness, FL 34452 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,122 sqft · built 1986
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Feb 2019)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02300-0530`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02300-0530`
Alternative APNs	`2119S20E0020023000530` `1772826`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,122 sqft Living Area
Gross Area	1,742 sqft
1st Floor Area	1,122 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Wood Porch
Porch Area	330 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1772826
Street Address	512 SPRUCE ST
City	INVERNESS
State	FL
Zip	34452-6477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 53 & 54 BLK 230
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	230
Legal Lot Number	53,54
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1030
Census Tract	451103

Owner

Source: Citrus County records · APN 20E-19S-21-0020-02300-0530

Assessment roll updated December 3, 2025 · Last verified August 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 File
Mailing Address	512 SPRUCE ST, INVERNESS, FL 34452-6477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 01, 2019 · Amount on Record
Deed Sale	Feb 01, 2019 · Amount on Record
Prior Sale	Oct 20, 2016
Deed Document Number	20195043
Deed Book / Page	2953 / 2355
Prior Transfer Date	Oct 18, 2016
Prior Transfer Doc	0000047910
Record Updated	Sep 20, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 01, 2019
Property Address	512 SPRUCE ST, INVERNESS, FL 34452-6477
Document Number	0029532355
Book / Page	002953 / 002355
Instrument Date	Jan 31, 2019
Instrument	5043
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SPRUCE ST INVERNESS FL 344526477, INVERNESS, FL 34452-6477

Mortgage

Document Number	29532357
Date	Feb 01, 2019
Book Page	002953/002357
Instrument	5044

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2049

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,306.00 (+7.14%)	$115,342 (-36.58%)	$176,828 (-2.77%) Land $7,760 Building $169,068
2024	$1,219.00 (+3.22%) Homeowner's exemption Additional exemption filed	$181,875 (+0.16%) Land $7,120 Building $174,755	$181,875 (+0.16%) Land $7,120 Building $174,755
2023	$1,181.00 (+6.88%) Homeowner's exemption Additional exemption filed	$181,586 (+14.97%) Land $6,400 Building $175,186	$181,586 (+14.97%) Land $6,400 Building $175,186
2022	$1,105.00 Homeowner's exemption Additional exemption filed	$157,945 Land $5,520 Building $152,425	$157,945 Land $5,520 Building $152,425

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.