520 Spruce St, Inverness, FL 34452 Property Records

Citrus County property record for 520 Spruce St, Inverness, FL 34452 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,184 sqft · built 1988
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$66,000 (Oct 2012)
Tax Bill	$3,638 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02300-0490`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02300-0490`
Alternative APNs	`2119S20E0020023000490` `1999081`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	1,792 sqft
1st Floor Area	1,058 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
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	308 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	548 sqft
Patio Area	240 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1999081
Street Address	520 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 49 & 50 BLK 230
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	230
Legal Lot Number	49,50
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-21-0020-02300-0490

Assessment roll updated December 3, 2025 · Last verified July 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	520 SPRUCE ST, INVERNESS, FL 34452-6477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2012 · Amount on Record
Deed Sale	Oct 30, 2012 · Amount on Record
Prior Sale	Jun 06, 2006 · Amount on Record
Deed Document Number	201247905
Deed Book / Page	2512 / 1212
Prior Transfer Date	Apr 23, 2004
Prior Transfer Doc	0000053770
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	520 SPRUCE ST, INVERNESS, FL 34452-6477
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 SPRUCE ST, INVERNESS, FL 34452-6477

Mortgage

Document Number	0033001536
Date	Jul 07, 2022
Book Page	3300/1536
Instrument	2022048210

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified July 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	$3,638.00 (+522.95%) Homeowner's exemption	$60,769 (-60.64%)	$149,969 (-2.87%) Land $7,760 Building $142,209
2024	$584.00 (+0.86%) Homeowner's exemption Additional exemption filed	$154,407 (-0.08%) Land $7,120 Building $147,287	$154,407 (-0.08%) Land $7,120 Building $147,287
2023	$579.00 (+4.14%) Homeowner's exemption Additional exemption filed	$154,524 (+12.07%) Land $6,400 Building $148,124	$154,524 (+12.07%) Land $6,400 Building $148,124
2022	$556.00 Homeowner's exemption Additional exemption filed	$137,877 Land $5,520 Building $132,357	$137,877 Land $5,520 Building $132,357

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.