Citrus County property record for 5525 N Watergap Pt, Crystal River, FL 34428
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,652 sqft · built 2001 |
| Lot Size | 0.579 acres (25,218 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $150,000 (May 2017) |
| Tax Bill | $2,027 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Jan 2026 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 17E-18S-06-0010-000C0-0130 |
| Primary APN | 17E-18S-06-0010-000C0-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,162 sqft |
| 1st Floor Area | 1,652 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 25,218 sqft (0.579 acres) |
| Lot Dimensions | 153 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 396 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 266 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Utility Building | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1965926 |
|---|---|
| Street Address | 5525 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 13 BLK C |
| Legal Range | 17E |
| Legal Township | 18S |
| Legal Section | 06 |
| Legal Subdivision | CEDAR LAKE ESTATES |
| Legal Block | C |
| Legal Lot Number | 13 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | CRYSTAL RIVER |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 450305 |
Source: Citrus County records, as of April 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 28, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 28, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 23, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 25, 2017 | Warranty Deed, Transfer · VA Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2017 · Amount on Record |
| Deed Sale | May 25, 2017 · Amount on Record |
| Prior Sale | Nov 25, 2015 · Amount on Record |
| Deed Document Number | 201724823 |
| Deed Book / Page | 2831 / 1346 |
| Last Transfer Date | Jan 27, 2026 |
| Transfer Doc | 0036381022 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jan 28, 2026 |
| Property Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Document Number | 0036381022 |
| Book / Page | 3638 / 1022 |
| Map Reference | MB 11 PG 130-131 |
| Instrument Date | Jan 27, 2026 |
| Instrument | 2026005124 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Name | Verified Name |
|---|---|
| Address | 1582 COTTONWOOD TER, DUNEDIN, FL 34698-2938 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jan 28, 2026 |
| Property Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Document Number | 0036381022 |
| Book / Page | 3638 / 1022 |
| Map Reference | MB 11 PG 130-131 |
| Instrument Date | Jan 27, 2026 |
| Instrument | 2026005124 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Name | Verified Name |
|---|---|
| Address | 1582 COTTONWOOD TER, DUNEDIN, FL 34698-2938 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Document Number | 0031780843 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 3178/843 |
| Instrument | 2021043136 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 25, 2017 |
| Property Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Document Number | 0028311346 |
| Book / Page | 2831 / 1346 |
| Map Reference | MB11 PG130&131 |
| Instrument Date | May 25, 2017 |
| Instrument | 2017024823 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | FIRST INTL TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9507 N CHERRY LAKE DR, 9507, CITRUS SPRINGS, FL 34433-3967 |
| Name | Verified Name |
|---|---|
| Address | 5525 N WATERGAP PT, CRYSTAL RIVER, FL 34428-6457 |
| Document Number | 0028311348 |
|---|---|
| Date | May 25, 2017 |
| Instrument | 2831/1348 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,027.00 (+5.68%) Homeowner's exemption Widower's exemption | $167,441 (-38.36%) | $259,453 (-4.49%) Land $7,300 Building $252,153 |
| 2024 | $1,918.00 (+2.84%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $271,656 (+12.41%) Land $7,300 Building $264,356 | $271,656 (+12.41%) Land $7,300 Building $264,356 |
| 2023 | $1,865.00 (+3.1%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $241,660 (+8.96%) Land $7,300 Building $234,360 | $241,660 (+8.96%) Land $7,300 Building $234,360 |
| 2022 | $1,809.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $221,779 Land $5,490 Building $216,289 | $221,779 Land $5,490 Building $216,289 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
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