606 Spruce St, Inverness, FL 34452 Property Records

Citrus County property record for 606 Spruce St, Inverness, FL 34452 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,298 sqft · built 1986
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Feb 2019)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-21-0020-02300-0450`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-21-0020-02300-0450`
Alternative APNs	`2119S20E0020023000450` `2049731`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,298 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	1,298 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	310 sqft
Patio Area	160 sqft
Utility Building	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2049731
Street Address	606 SPRUCE ST
City	INVERNESS
State	FL
Zip	34452-6478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 45 & 46 BLK 230
Legal Range	20E
Legal Township	19S
Legal Section	20
Legal Subdivision	INVERNESS HIGHLANDS SOUTH
Legal Block	230
Legal Lot Number	45,46
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1030
Census Tract	451103

Owner

Source: Citrus County records · APN 20E-19S-21-0020-02300-0450

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	Individual Name on File
Mailing Address	606 SPRUCE ST, INVERNESS, FL 34452-6478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 15, 2019 · Amount on Record
Deed Sale	Feb 15, 2019 · Amount on Record
Prior Sale	Sep 04, 2015 · Amount on Record
Deed Document Number	20197386
Deed Book / Page	2956 / 1182
Prior Transfer Date	Dec 14, 2015
Prior Transfer Doc	0027282478
Record Updated	Jun 08, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 15, 2019
Property Address	606 SPRUCE ST, INVERNESS, FL 34452-6478
Document Number	0029561182
Book / Page	002956 / 001182
Instrument Date	Feb 14, 2019
Instrument	7386
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$889.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 SPRUCE ST INVERNESS FL 344526478, INVERNESS, FL 34452-6478

Mortgage

Document Number	29561183
Date	Feb 15, 2019
Book Page	002956/001183
Instrument	7387

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2049

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	$1,276.00 (+7.32%) Homeowner's exemption	$113,296 (-35.49%)	$169,637 (-3.42%) Land $7,760 Building $161,877
2024	$1,189.00 (+3.21%) Homeowner's exemption Additional exemption filed	$175,637 (+3.85%) Land $7,120 Building $168,517	$175,637 (+3.85%) Land $7,120 Building $168,517
2023	$1,152.00 (+6.86%) Homeowner's exemption Additional exemption filed	$169,119 (+13.93%) Land $6,400 Building $162,719	$169,119 (+13.93%) Land $6,400 Building $162,719
2022	$1,078.00 Homeowner's exemption Additional exemption filed	$148,443 Land $5,520 Building $142,923	$148,443 Land $5,520 Building $142,923

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174511031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 9 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force 6 of 9 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.