6298 N Finger Pt, Hernando, FL 34442 Property Records

Citrus County property record for 6298 N Finger Pt, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,598 sqft · built 1989
Lot Size	1.27 acres (55,622 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Mar 2023)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19E-18S-01-4D000-004.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-01-4D000-004.0`
Alternative APNs	`19E-18S-01-0000-4D000-0040` `0118S19E4D0000040` `2991364`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,598 sqft Living Area
Gross Area	3,378 sqft
1st Floor Area	2,598 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	55,622 sqft (1.27 acres)
Lot Dimensions	149 ft deep x 55 ft wide
View / Lot	Lake Front
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Screened Aluminum Porch
Porch Area	280 sqft
Patio Area	766 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2991364
Street Address	6298 N FINGER PT
City	HERNANDO
State	FL
Zip	34442-2519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	FINGER B OF RIVER LAKES MANOR UNREC SUB LOT 4 5 6 7 8 & 9 MORE PART DESC AS FOLLOWS: LOT 4 & 5: COM SE COR LOT 44 BLK 21 RIVER-LAKE MANOR UNIT NO. 1 PB 3 PG 96 - 101; THN S 19 DEG 45M 20S E 153.69 FT THN S 69 DEG 18M 20S E 388.08 FT THN S 64 DEG 32M
Legal Range	19E
Legal Township	18S
Legal Section	01
Legal Subdivision	FINGER B RIVER LAKES
Legal Block	4D000
Legal Lot Number	4
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2016
Census Tract	450105

Owner

Source: Citrus County records, as of January 21, 2026

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 Record
Mailing Address	6298 N FINGER PT, HERNANDO, FL 34442-2519
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Mar 31, 2023	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on Record
Deed Sale	Mar 31, 2023 · Amount on Record
Prior Sale	Dec 30, 2015 · Amount on Record
Deed Document Number	202318332
Deed Book / Page	3366 / 1778
Prior Transfer Date	Apr 20, 2016
Prior Transfer Doc	0027530119
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6298 N FINGER PT, HERNANDO, FL 34442-2519
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6298 N FINGER PT, HERNANDO, FL 34442-2519

Mortgage

Document Number	0036291993
Date	Dec 23, 2025
Book Page	3629/1993
Instrument	2025076879

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 31, 2023
Property Address	6298 N FINGER PT, HERNANDO, FL 34442-2519
Document Number	0033661778
Book / Page	3366 / 1778
Instrument Date	Mar 27, 2023
Instrument	2023018332
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	INSURED TITLE AGENCY, INSURED TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 E FLETCHER ST, HERNANDO, FL 34442-4909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6298 N FINGER PT, HERNANDO, FL 34442-2519

Mortgage

Document Number	0033661781
Date	Mar 31, 2023
Instrument	3366/1781

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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	$3,208.00 (+4.56%) Homeowner's exemption	$240,823 (-44.44%)	$477,443 (+10.14%) Land $121,650 Building $355,793
2024	$3,068.00 (+12.46%) Homeowner's exemption Additional exemption filed	$433,482 (+8.97%) Land $97,630 Building $335,852	$433,482 (+8.97%) Land $97,630 Building $335,852
2023	$2,728.00 (+6.9%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$397,816 (-4.69%) Land $103,090 Building $294,726	$397,816 (-4.69%) Land $103,090 Building $294,726
2022	$2,552.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$417,375 Land $87,120 Building $330,255	$417,375 Land $87,120 Building $330,255

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

Flood

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	41.3 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 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

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

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 87 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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