5145 N Harding Ter, Hernando, FL 34442 Property Records

Citrus County property record for 5145 N Harding Ter, Hernando, FL 34442

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,976 sqft · built 2018
Lot Size	0.5 acres (21,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Mar 2005)
Tax Bill	$1,289 (2025)
Deeds & Mortgages	Oct 2018 Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1018S19E00200450`

Property Details

APN / Parcel Number

Primary APN	`1018S19E00200450`
Alternative APNs	`19E-18S-10-0020-00000-0450` `19E-18S-10-0020-045.0` `1590493`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,778 sqft (0.5 acres)
Lot Dimensions	217 ft deep x 100 ft wide
Patio Area	108 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1590493
Street Address	5145 N HARDING TER
City	HERNANDO
State	FL
Zip	34442-4045
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	LDRMH
Legal Description	GOLDEN VILLAGE PB 8 PG 15 LOT 45
Legal Range	19E
Legal Township	18S
Legal Section	10
Legal Subdivision	GOLDEN VILLAGE
Legal Lot Number	45
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2008
Census Tract	450106

Owner

Source: Citrus County records, as of March 17, 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	5145 N HARDING TER, HERNANDO, FL 34442-4045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage 21ST MORTGAGE CORP
May 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2005 · Amount on Record
Deed Sale	Mar 1, 2005 · Amount on Record
Prior Sale	May 1, 2000 · Amount on Record
Deed Book / Page	1831 / 2347
Last Transfer Date	Sep 28, 2018
Transfer Doc	0029301777
Record Updated	Jun 8, 2026

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Oct 2, 2018
Property Address	5145 N HARDING TER, HERNANDO, FL 34442-4045
Document Number	0029301777
Book / Page	2930 / 1777
Map Reference	MB8 PG15
Instrument Date	Sep 28, 2018
Instrument	2018049950
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	STEWART TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5145 N HARDING TER, HERNANDO, FL 34442-4045

Mortgage

Document Number	2018049951
Date	Oct 2, 2018
Instrument	2018049951

Lender

Name	21ST MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Oct 1, 2041

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	May 1, 2018
Property Address	5145 N HARDING TER, HERNANDO, FL 34442-4045
Document Number	0028970218
Book / Page	002897 / 000218
Instrument Date	Apr 25, 2018
Instrument	21482
Transaction Type	Transfer
Record Updated	May 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5145 N HARDING TER HERNANDO FL 344424045, HERNANDO, FL 34442-4045

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	$1,289.00 (+7.42%) Homeowner's exemption Widower's exemption	$119,190 (-38.08%)	$196,297 (+1.98%) Land $14,260 Building $182,037
2024	$1,200.00 (+3.36%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$192,479 (+0.11%) Land $17,160 Building $175,319	$192,479 (+0.11%) Land $17,160 Building $175,319
2023	$1,161.00 (+1.04%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$192,262 (+18.76%) Land $11,700 Building $180,562	$192,262 (+18.76%) Land $11,700 Building $180,562
2022	$1,149.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$161,890 Land $8,710 Building $153,180	$161,890 Land $8,710 Building $153,180

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 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 63% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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