5510 N Watergap Pt, Crystal River, FL 34428 Property Records

Citrus County property record for 5510 N Watergap Pt, Crystal River, FL 34428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,321 sqft · built 1995
Lot Size	0.375 acres (16,327 sqft)
Owner	Individual Name on File
Last Sale	$128,500 (Feb 2016)
Tax Bill	$1,315 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`17E-18S-06-0010-000C0-0120`

Property Details

APN / Parcel Number

Primary APN	`17E-18S-06-0010-000C0-0120`
Alternative APNs	`0618S17E0010000C00120` `1965918`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,321 sqft Living Area
Gross Area	1,935 sqft
1st Floor Area	1,321 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	16,327 sqft (0.375 acres)
Lot Dimensions	150 ft deep x 53 ft wide
Garage Type	Attached
Garage Area	386 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	260 sqft
Patio Area	228 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1965918
Street Address	5510 N WATERGAP PT
City	CRYSTAL RIVER
State	FL
Zip	34428-6457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	CEDAR LAKE ESTS PB 11 PG 130 LOT 12 BLK C
Legal Range	17E
Legal Township	18S
Legal Section	06
Legal Subdivision	CEDAR LAKE ESTATES
Legal Block	C
Legal Lot Number	12
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	2
Census Block	2026
Census Tract	450305

Owner

5510 N Watergap Pt is owned and occupied by an individual who bought it in February 2016.

Source: Citrus County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	5510 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2016 · Amount on File
Deed Sale	Feb 4, 2016 · Amount on File
Prior Sale	Oct 1, 2012 · Amount on File
Deed Document Number	20165348
Deed Book / Page	2738 / 1584
Prior Transfer Date	Feb 25, 2011
Prior Transfer Doc	0000019046
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	5510 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5510 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457

Mortgage

Document Number	0033180054
Date	Sep 7, 2022
Book Page	3318/54
Instrument	2022062839

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 5510 N Watergap Pt was $1,315 with a homeowner's exemption, up 7.1% from the year before.

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	$1,315.00 (+7.08%) Homeowner's exemption	$114,456 (-46.01%)	$200,385 (-5.48%) Land $10,500 Building $189,885
2024	$1,228.00 (+3.11%) Homeowner's exemption Additional exemption filed	$211,996 (+13.38%) Land $9,100 Building $202,896	$211,996 (+13.38%) Land $9,100 Building $202,896
2023	$1,191.00 (+6.72%) Homeowner's exemption Additional exemption filed	$186,980 (+7.02%) Land $8,930 Building $178,050	$186,980 (+7.02%) Land $8,930 Building $178,050
2022	$1,116.00 Homeowner's exemption Additional exemption filed	$174,723 Land $7,130 Building $167,593	$174,723 Land $7,130 Building $167,593

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5510 N Watergap Pt in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	35 (2016–2024)
Claims Outside the SFHA	1 of 35
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 23 claims Hurricane Idalia, Aug 2023 · 4 claims Hurricane Hermine, Sep 2016 · 3 claims

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

Wildfire risk around 5510 N Watergap Pt is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

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