521 E Liberty St, Hernando, FL 34442 Property Records

Citrus County property record for 521 E Liberty St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,537 sqft · built 2005
Lot Size	0.501 acres (21,825 sqft)
Owner	2 Individual Names on File
Last Sale	$51,500 (Jun 2004)
Tax Bill	$3,175 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00340-0080`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00340-0080`
Alternative APNs	`1818S19E0110003400080` `2297204`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,537 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	2,537 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	21,825 sqft (0.501 acres)
Lot Dimensions	145 ft deep x 150 ft wide
View / Lot	Golf Course
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	239 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2297204
Street Address	521 E LIBERTY ST
City	HERNANDO
State	FL
Zip	34442-8267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR
Legal Description	CITRUS HILLS FIRST ADD PB 9 PG 73 S1/2 OF LOT 8 BLK 34
Legal Range	19E
Legal Township	18S
Legal Section	30
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	34
Legal Lot Number	8
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3009
Census Tract	450703

Owner

Source: Citrus County records · APN 19E-18S-18-0110-00340-0080

Assessment roll updated December 3, 2025 · Last verified April 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 File
Mailing Address	521 E LIBERTY ST, HERNANDO, FL 34442-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2004 · Amount on Record
Deed Sale	Jun 10, 2004 · Amount on Record
Prior Sale	May 01, 2000 · Amount on Record
Deed Document Number	200439760
Deed Book / Page	1730 / 186
Last Transfer Date	Oct 18, 2007
Transfer Doc	0021682364
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	521 E LIBERTY ST, HERNANDO, FL 34442-8267
Transaction Type	Mortgage
Record Updated	Apr 02, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 E LIBERTY ST, HERNANDO, FL 34442-8267

Mortgage

Document Number	0031432257
Date	Mar 15, 2021
Book Page	3143/2257
Instrument	2021016128

Lender

Name	CADENCE BANK NA
Type	Bank
Address	SPRING, TX 77380

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	178 Months
Due	Jan 03, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 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	$3,175.00 (+4.65%) Homeowner's exemption Widower's exemption	$243,556 (-38.66%)	$379,258 (-4.49%) Land $35,000 Building $344,258
2024	$3,034.00 (+2.53%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$397,073 (+2.46%) Land $33,500 Building $363,573	$397,073 (+2.46%) Land $33,500 Building $363,573
2023	$2,959.00 (+4.41%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$387,534 (+14%) Land $30,500 Building $357,034	$387,534 (+14%) Land $30,500 Building $357,034
2022	$2,834.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$339,932 Land $29,000 Building $310,932	$339,932 Land $29,000 Building $310,932

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 14, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 137 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.