5155 N Opal Pt, Hernando, FL 34442 Property Records

Citrus County property record for 5155 N Opal Pt, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1968
Lot Size	0.231 acres (10,074 sqft)
Owner	2 Trust Names on File
Last Sale	$172,500 (May 2019)
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jun 2020 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`19E-18S-11-0010-000F0-0100`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-11-0010-000F0-0100`
Alternative APNs	`1118S19E0010000F00100` `1591309`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	10,074 sqft (0.231 acres)
Lot Dimensions	100 ft deep x 90 ft wide
View / Lot	Lake Front

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	252 sqft
Deck Area	Deck Area
Patio Area	144 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1591309
Street Address	5155 N OPAL PT
City	HERNANDO
State	FL
Zip	34442-3958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	WILLOLA HTS UNIT 1 PB 3 PG 14 LOT 10 BLK F
Legal Range	19E
Legal Township	18S
Legal Section	11
Legal Subdivision	WILLOLA HEIGHTS UNIT 1
Legal Block	F
Legal Lot Number	10
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1001
Census Tract	450105

Owner

Source: Citrus County assessment roll, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	146 VISCAYA AVE, ROYAL PALM BEACH, FL 33411-1004
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage BRANNEN BANK
Jun 4, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 1, 2019	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS
Mar 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Mar 9, 2017 · Amount on Record
Deed Document Number	201922092
Deed Book / Page	2972 / 2332
Last Transfer Date	Jun 4, 2020
Transfer Doc	0030650115
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5155 N OPAL PT, HERNANDO, FL 34442-3958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028232330
Date	Apr 21, 2017
Book Page	2823/2330
Instrument	2017018387

Lender

Name	BRANNEN BANK
Type	Bank
Address	INVERNESS, FL 34451

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 17, 2032

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 4, 2020
Property Address	5155 N OPAL PT, HERNANDO, FL 34442-3958
Document Number	0030650115
Book / Page	003065 / 000115
Instrument Date	Jun 4, 2020
Instrument	28640
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	146 VISCAYA AVE ROYAL PALM BEACH FL 334111004, ROYAL PALM BEACH, FL 33411-1004

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 1, 2019
Property Address	5155 N OPAL PT, HERNANDO, FL 34442-3958
Document Number	0029722332
Book / Page	002972 / 002332
Instrument Date	Apr 30, 2019
Instrument	22092
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SVCS/CITRUS

Transaction

Amount	Amount Recorded
Tax	$1,207.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	146 VISCAYA AVE ROYAL PALM BEACH FL 334111004, ROYAL PALM BEACH, FL 33411-1004

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 10, 2017
Property Address	5155 N OPAL PT, HERNANDO, FL 34442-3958
Document Number	0028150615
Book / Page	002815 / 000615
Instrument Date	Mar 9, 2017
Instrument	10950
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3822 E ADAMS ST HERNANDO FL 34442, HERNANDO, FL 34442

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	$2,439.00 (+10.61%)	$177,645 (+8.25%) Land $41,650 Building $135,995	$177,645 (+8.25%) Land $41,650 Building $135,995
2024	$2,205.00 (+8.09%)	$164,108 (+9.87%) Land $41,650 Building $122,458	$164,108 (+9.87%) Land $41,650 Building $122,458
2023	$2,040.00 (+12.09%)	$149,364 (+9.49%) Land $41,650 Building $107,714	$149,364 (+9.49%) Land $41,650 Building $107,714
2022	$1,820.00	$136,416 Land $14,700 Building $121,716	$136,416 Land $14,700 Building $121,716

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	41.3 ft
Flood Insurance Requirement	Required federally backed loans
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 at the parcel

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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