5139 N Opal Pt, Hernando, FL 34442 Property Records

Citrus County property record for 5139 N Opal Pt, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1973
Lot Size	0.253 acres (11,040 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2025)
Tax Bill	$668 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`19E-18S-11-0020-000F0-011.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-11-0020-000F0-011.0`
Alternative APNs	`1118S19E0020000F00110` `1591562`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,924 sqft Living Area
1st Floor Area	1,924 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Architectural Style	Other
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	11,040 sqft (0.253 acres)
Lot Dimensions	98 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	432 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	224 sqft
Deck Area	414 sqft
Patio Area	414 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1591562
Old Parcel Number	1118S19E0020000F00110
Street Address	5139 N OPAL PT
City	HERNANDO
State	FL
Zip	34442-3958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR COASTAL LAKES & RVRS
Legal Description	WILLOLA HEIGHTS UNIT TWO PB 3 PG 127 LOT 11 BLK F.
Legal Range	19E
Legal Township	18S
Legal Section	11
Legal Subdivision	WILLOLA HEIGHTS UNIT 2
Legal Block	F
Legal Lot Number	11
Legal Unit	W
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	5139 N OPAL PT, HERNANDO, FL 34442-3958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 7, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Deed Document Number	2025037052
Deed Book / Page	3576 / 1608
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5139 N OPAL PT, HERNANDO, FL 34442-3958
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5139 N OPAL PT, HERNANDO, FL 34442-3958

Mortgage

Document Number	0032730155
Date	Apr 13, 2022
Book Page	3273/155
Instrument	2022026015

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5139 N OPAL PT, HERNANDO, FL 34442-3958
Document Number	0030591591
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5139 N OPAL PT HERNANDO FL 344423958, HERNANDO, FL 34442-3958

Mortgage

Document Number	0030591591
Date	May 12, 2020
Book Page	003059/001591
Instrument	24505

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5139 N OPAL PT, HERNANDO, FL 34442-3958
Document Number	0028621483
Book / Page	002862 / 001483
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5139 N OPAL PT HERNANDO FL 344423958, HERNANDO, FL 34442-3958

Mortgage

Document Number	0028621483
Date	Nov 7, 2017
Book Page	002862/001483
Instrument	51057

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

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	$668.00 (+12.46%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$245,496 (+8.39%) Land $42,080 Building $203,416	$245,496 (+8.39%) Land $42,080 Building $203,416
2024	$594.00 (+5.13%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$226,502 (+17.12%) Land $42,080 Building $184,422	$226,502 (+17.12%) Land $42,080 Building $184,422
2023	$565.00 (-15.55%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$193,385 (+4.41%) Land $42,080 Building $151,305	$193,385 (+4.41%) Land $42,080 Building $151,305
2022	$669.00 Homeowner's exemption Additional exemption filed	$185,209 Land $14,850 Building $170,359	$185,209 Land $14,850 Building $170,359

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Spectrum, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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