5945 E River Rd, Hernando, FL 34442 Property Records

Citrus County property record for 5945 E River Rd, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1992
Square Footage	1,144 sqft Living Area
Lot Size	26,593 sqft (0.61 acres)
Garage	Carport
Last Sale	$160,000 (2020)
Tax Bill	$2,446.00 (2025)

Owner

Source: Citrus County records · APN 20E-17S-29-3B000-104.0

Assessment roll updated July 1, 2025 · Last verified December 2025

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	3452 64TH ST N, ST PETERSBURG, FL 33710-1631
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Prior Sale	Mar 26, 2014 · Amount on Record
Deed Doc Number	0030461962
Deed Book / Page	3046 / 1962
Record Refreshed	Jun 08, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 13, 2020
Property Address	5945 E RIVER RD, HERNANDO, FL 34442-2443
Document Number	0030461962
Book / Page	003046 / 001962
Instrument Date	Mar 06, 2020
Instrument	14379
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3452 64TH ST N ST PETERSBURG FL 337101631, ST PETERSBURG, FL 33710-1631

Mortgage

Document Number	30461964
Date	Mar 13, 2020
Book Page	003046/001964
Instrument	14380

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$2,446.00 (-0.49%)	$150,785 (-2.48%) Land $20,600 Building $130,185	$150,785 (-2.48%) Land $20,600 Building $130,185
2024	$2,458.00 (+5.58%)	$154,625 (+7.03%) Land $17,300 Building $137,325	$154,625 (+7.03%) Land $17,300 Building $137,325
2023	$2,328.00 (+10.8%)	$144,463 (+7.58%) Land $15,760 Building $128,703	$144,463 (+7.58%) Land $15,760 Building $128,703
2022	$2,101.00	$134,279 Land $15,760 Building $118,519	$134,279 Land $15,760 Building $118,519

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 21% of Florida
Wildfire Likelihood	About 1 in 909 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`20E-17S-29-3B000-104.0`
Alternative APNs	`2917S20E3B0001040` `1705436`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,144 sqft Living Area
1st Floor	1,144 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Wood Flooring

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1992
Architectural Style	Other Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Foundation Type	Pier/Post & Beam Foundation
Roof Construction	Gable Roof Construction
Roof Material	Fiberglass Roof
Lot Area	26,593 sqft (0.61 acres)
Depth X Width	230 ft x 101 ft Depth x Width
Parking Spaces	7 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Deck Area	108 sqft Deck
Patio Area	160 sqft Patio
Porch	Open Porch
Porch Area	928 sqft Porch
Utility Building	160 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	1705436
Old Parcel Number	2917S20E3B0001040
Street Address	5945 E RIVER RD
City	HERNANDO
State	FL
Zip	34442-2443
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	RIVER ROAD SHINGLE MILL LANDING UNREC SUB LOT 104: COM AT THE SW CORN OF SEC 29-17-20 TH N 1D 07M 20S W AL THE W LINE OF SD
Legal Range	20E
Legal Township	17S
Legal Section	29
Legal Subdivision	SHINGLE HILL LANDING UNREC
Legal Lot Number	104
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	1
Census Block	1003
Census Tract	450800