645 W Chase St, Hernando, FL 34442 Property Records

Citrus County property record for 645 W Chase St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,170 sqft · built 1986
Lot Size	1.04 acres (45,365 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2016)
Tax Bill	$3,057 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`2518S18E00101150`

Property Details

APN / Parcel Number

Primary APN	`2518S18E00101150`
Alternative APNs	`18E-18S-25-0010-115.0` `2284889`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,170 sqft Living Area
1st Floor Area	2,170 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Split Level
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	45,365 sqft (1.04 acres)
Lot Dimensions	300 ft deep x 150 ft wide
Garage Area	598 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	288 sqft
Porch	Open Porch
Porch Area	787 sqft
Patio Area	858 sqft
Fence	Fence
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2284889
Old Parcel Number	2518S18E00101150
Street Address	645 W CHASE ST
City	HERNANDO
State	FL
Zip	34442-8330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR MED DENSITY RESIDENT
Legal Description	HAMPTON HILLS PB 12 PG 20 LOT 115
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	HAMPTON HILLS
Legal Lot Number	115
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2001
Census Tract	450703

Owner

645 W Chase St is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	645 W CHASE ST, HERNANDO, FL 34442-8330
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
Jun 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 15, 2020	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2016 · Amount on File
Deed Sale	Aug 25, 2016 · Amount on File
Prior Sale	Jun 17, 2004 · Amount on File
Deed Document Number	2016039075
Deed Book / Page	2778 / 0578
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	645 W CHASE ST, HERNANDO, FL 34442-8330
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 W CHASE ST, HERNANDO, FL 34442-8330

Mortgage

Document Number	0033840431
Date	Jun 2, 2023
Book Page	3384/431
Instrument	2023032250

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CITRUS FL
Property Address	645 W CHASE ST, HERNANDO, FL 34442-8330
Document Number	0031251614
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	645 W CHASE ST HERNANDO FL 344428330, HERNANDO, FL 34442-8330

Mortgage

Document Number	0031251614
Date	Jan 14, 2021
Book Page	003125/001614
Instrument	2417

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 645 W Chase St was $3,057 with exemptions applied, up 4.6% 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	$3,057.00 (+4.58%) Homeowner's exemption Additional exemption filed	$380,078 (-4.64%) Land $64,000 Building $316,078	$380,078 (-4.64%) Land $64,000 Building $316,078
2024	$2,923.00 (+14.67%) Homeowner's exemption Additional exemption filed	$398,565 (+14.84%) Land $64,000 Building $334,565	$398,565 (+14.84%) Land $64,000 Building $334,565
2023	$2,549.00 (+8.79%) Homeowner's exemption Additional exemption filed	$347,070 (+10.22%) Land $57,000 Building $290,070	$347,070 (+10.22%) Land $57,000 Building $290,070
2022	$2,343.00 Homeowner's exemption Additional exemption filed	$314,893 Land $57,000 Building $257,893	$314,893 Land $57,000 Building $257,893

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

Flood

FEMA maps place 645 W Chase St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 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 645 W Chase St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people · EPA ID FL6094948
Water Source	Groundwater
Last State Inspection	Oct 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	14 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 141 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Chase St

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