538 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 538 W Keller St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,533 sqft · built 1992
Lot Size	1 acres (43,796 sqft)
Owner	Individual Name on Record
Last Sale	$278,000 (Jan 2022)
Tax Bill	$210 (2025)
Deeds & Mortgages	Jan 2022 Sale Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00430-007.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00430-007.0`
Alternative APNs	`1818S19E0110004300070` `2301139`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,533 sqft Living Area
1st Floor Area	1,533 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	43,796 sqft (1 acres)
Lot Dimensions	286 ft deep x 153 ft wide
Garage Area	240 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	485 sqft
Pole Barn	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2301139
Old Parcel Number	1818S19E0110004300070
Street Address	538 W KELLER ST
City	HERNANDO
State	FL
Zip	34442-4853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR CENTRAL RIDGE RESIDEN
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 7 BLK 43
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	43
Legal Lot Number	7
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3013
Census Tract	450703

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	538 W KELLER ST, HERNANDO, FL 34442-4853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage MID-AMERICAN MORTGAGE INC
Dec 11, 2018	Warranty Deed, Transfer WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY
Jan 13, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Prior Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	2022002076
Deed Book / Page	3242 / 2271
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 11, 2022
Property Address	538 W KELLER ST, HERNANDO, FL 34442-4853
Document Number	0032422271
Book / Page	3242 / 2271
Map Reference	MB 9 PG 73-83
Instrument Date	Jan 3, 2022
Instrument	2022002076
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY

Transaction

Amount	Amount Recorded
Tax	$1,946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 W KELLER ST, 538, HERNANDO, FL 34442-4853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 PRUDENCE LN, PANAMA CITY BEACH, FL 32408-5540

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	538 W KELLER ST, HERNANDO, FL 34442-4853
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WOLLINKA WIKLE TTL INS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030681617
Date	Jun 19, 2020
Book Page	3068/1617
Instrument	2020031426

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 11, 2018
Property Address	538 W KELLER ST, HERNANDO, FL 34442-4853
Document Number	0029440893
Book / Page	002944 / 000893
Instrument Date	Dec 7, 2018
Instrument	61689
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W KELLER ST HERNANDO FL 344424853, HERNANDO, FL 34442-4853

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jan 13, 2017
Property Address	538 W KELLER ST, HERNANDO, FL 34442-4853
Document Number	0028050292
Book / Page	002805 / 000292
Instrument Date	Jan 12, 2017
Instrument	1869
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$840.00
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	151 LEWIS RD CAIRO GA 398287122, CAIRO, GA 39828-7122

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	$210.00 (+28.05%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$256,309 (-2.72%) Land $31,000 Building $225,309	$256,309 (-2.72%) Land $31,000 Building $225,309
2024	$164.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$263,464 (+1.75%) Land $29,500 Building $233,964	$263,464 (+1.75%) Land $29,500 Building $233,964
2023	$164.00 (-90.96%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Additional exemption filed	$258,945 (+21.11%) Land $25,500 Building $233,445	$258,945 (+21.11%) Land $25,500 Building $233,445
2022	$1,815.00 Homeowner's exemption Additional exemption filed	$213,813 Land $17,250 Building $196,563	$213,813 Land $17,250 Building $196,563

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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people · EPA ID FL6094948
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, 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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