5195 N Ironstone Ter, Hernando, FL 34442 Property Records

Citrus County property record for 5195 N Ironstone Ter, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,048 sqft · built 2007
Lot Size	1.09 acres (47,465 sqft)
Owner	Individual Name on Record
Last Sale	$652,000 (Mar 2022)
Tax Bill	$8,309 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-10-3C000-013.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-10-3C000-013.0`
Alternative APNs	`1018S19E3C0000130` `2594322`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,048 sqft Living Area
1st Floor Area	4,048 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	47,465 sqft (1.09 acres)
Lot Dimensions	300 ft deep x 185 ft wide
Garage Type	Mixed
Garage Area	720 sqft
Carport	Carport
Carport Area	720 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	427 sqft
Patio Area	154 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2594322
Old Parcel Number	1018S19E3C0000130
Street Address	5195 N IRONSTONE TER
City	HERNANDO
State	FL
Zip	34442-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR LOW DENSITY RESIDENT
Legal Description	CRYSTAL HILLS MINI FARMS UNIT 4 UNREC SUB LOT 13 DESC AS FOLLOWS: COMM AT NW CRN OF SW 1/4 OF SEC 10-18-19 THN N 0DEG 07M 14S
Legal Range	19E
Legal Township	18S
Legal Section	05
Legal Subdivision	CRYSTAL HILLS MINI FARMS U-4
Legal Lot Number	13
Legal Unit	4
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1011
Census Tract	450104

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
Co-owner	Co-owner on Record
Mailing Address	5195 N IRONSTONE TER, HERNANDO, FL 34442-4030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE EQUITY PARTNERS LLC
Feb 16, 2018	Warranty Deed, Transfer · FHA Mortgage RANLIFE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Feb 16, 2018 · Amount on Record
Deed Document Number	2022016073
Deed Book / Page	3260 / 1469
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 7, 2022
Property Address	5195 N IRONSTONE TER, HERNANDO, FL 34442-4030
Document Number	0032601469
Book / Page	3260 / 1469
Instrument Date	Feb 24, 2022
Instrument	2022016073
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	EXPRESS TITLE SERVICES/CITRUS INC, EXPRESS TTL SVCS OF CITRUS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,564.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5195 N IRONSTONE TER, 5195, HERNANDO, FL 34442-4030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 OLD HUNDRED RD, PELZER, SC 29669-9511

Mortgage

Document Number	0032601471
Date	Mar 7, 2022
Instrument	3260/1471

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 16, 2018
Property Address	5195 N IRONSTONE TER, HERNANDO, FL 34442-4030
Document Number	0028810121
Book / Page	002881 / 000121
Instrument Date	Feb 14, 2018
Instrument	7617
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	A-1 TITLE/NATURE COAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
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	5195 N IRONSTONE TER HERNANDO FL 344424030, HERNANDO, FL 34442-4030

Mortgage

Document Number	28810123
Date	Feb 16, 2018
Book Page	002881/000123
Instrument	7618

Lender

Name	RANLIFE
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

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	$8,309.00 (+3.56%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$654,145 (-3.21%) Land $22,400 Building $631,745	$654,145 (-3.21%) Land $22,400 Building $631,745
2024	$8,023.00 (+2.2%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$675,845 (+21.46%) Land $22,660 Building $653,185	$675,845 (+21.46%) Land $22,660 Building $653,185
2023	$7,850.00 (+54.99%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$556,444 (+3.76%) Land $20,790 Building $535,654	$556,444 (+3.76%) Land $20,790 Building $535,654
2022	$5,065.00 Homeowner's exemption Additional exemption filed	$536,302 Land $13,320 Building $522,982	$536,302 Land $13,320 Building $522,982

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	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	High above 72% of the US · above 55% 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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