6189 E Waverly St, Inverness, FL 34452 Property Records

Citrus County property record for 6189 E Waverly St, Inverness, FL 34452

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1981
Lot Size	0.22 acres (9,612 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Nov 2023)
Tax Bill	$3,907 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-29-0010-04090-030.0`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-29-0010-04090-030.0`
Alternative APNs	`2919S20E0010040900300` `1826837`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	2,016 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	9,612 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	272 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	390 sqft
Patio Area	614 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1826837
Old Parcel Number	2919S20E0010040900300
Street Address	6189 E WAVERLY ST
City	INVERNESS
State	FL
Zip	34452-8121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR MED DENSITY RESIDENT
Legal Description	INVERNESS HGLDS WEST PB 5 PG 19 LOT 30 BLK 409 DESC IN OR BK 666 PG 1612
Legal Range	20E
Legal Township	19S
Legal Section	32
Legal Subdivision	INVERNESS HIGHLANDS WEST
Legal Block	409
Legal Lot Number	30
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2044
Census Tract	451104

Owner

6189 E Waverly St is owned and occupied by two individuals who bought it in November 2023.

Source: Citrus County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	6189 E WAVERLY ST, INVERNESS, FL 34452-8121
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

Date	Document
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 21, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Deed Document Number	0003430975
Deed Book / Page	1994 / 0748
Prior Transfer Date	Apr 12, 2006
Prior Transfer Doc	2006026681
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6189 E WAVERLY ST, INVERNESS, FL 34452-8121
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029471342
Date	Dec 27, 2018
Book Page	2947/1342
Instrument	2018064406

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2034

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6189 E WAVERLY ST, INVERNESS, FL 34452-8121
Document Number	0030741312
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6189 E WAVERLY ST INVERNESS FL 344528121, INVERNESS, FL 34452-8121

Mortgage

Document Number	0030741312
Date	Jul 13, 2020
Book Page	003074/001312
Instrument	35620

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 12, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6189 E WAVERLY ST, INVERNESS, FL 34452-8121
Document Number	0030440882
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6189 E WAVERLY ST INVERNESS FL 344528121, INVERNESS, FL 34452-8121

Mortgage

Document Number	0030440882
Date	Mar 4, 2020
Book Page	003044/000882
Instrument	12463

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 3, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6189 E WAVERLY ST, INVERNESS, FL 34452-8121
Document Number	0030280024
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6189 E WAVERLY ST INVERNESS FL 344528121, INVERNESS, FL 34452-8121

Mortgage

Document Number	0030280024
Date	Dec 30, 2019
Book Page	003028/000024
Instrument	67452

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Dec 29, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 6189 E Waverly St was $3,907, down 1.7% from the year before.

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	$3,907.00 (-1.69%)	$249,266 (-2.97%) Land $11,200 Building $238,066	$249,266 (-2.97%) Land $11,200 Building $238,066
2024	$3,974.00 (+49.85%)	$256,885 (+4.1%) Land $8,720 Building $248,165	$256,885 (+4.1%) Land $8,720 Building $248,165
2023	$2,652.00 (+3.96%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$246,777 (+19.88%) Land $6,720 Building $240,057	$246,777 (+19.88%) Land $6,720 Building $240,057
2022	$2,551.00 Homeowner's exemption Additional exemption filed	$205,850 Land $4,400 Building $201,450	$205,850 Land $4,400 Building $201,450

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

Flood

FEMA maps place 6189 E Waverly St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 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

Wildfire risk around 6189 E Waverly St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861
Water Source	Groundwater
Last State Inspection	Dec 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	15 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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