6451 N Silverbell Ter, Hernando, FL 34442 Property Records

Citrus County property record for 6451 N Silverbell Ter, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,333 sqft · built 1996
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,000 (Apr 1998)
Tax Bill	$1,050 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-17S-36-0010-00120-017.0`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00120-017.0`
Alternative APNs	`3617S19E0010001200170` `2013079`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,333 sqft Living Area
1st Floor Area	1,333 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1996
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Area	462 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	253 sqft
Porch	Open Porch
Porch Area	144 sqft
Patio Area	215 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2013079
Old Parcel Number	3617S19E0010001200170
Street Address	6451 N SILVERBELL TER
City	HERNANDO
State	FL
Zip	34442-2582
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR COASTAL LAKES & RVRS
Legal Description	RIVER LAKES MANOR UNIT 1 PB 3 PG 101 LOT 17 BLK 12
Legal Range	19E
Legal Township	18S
Legal Section	02
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	12
Legal Lot Number	17
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2023
Census Tract	450105

Owner

Source: Citrus County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	6451 N SILVERBELL TER, HERNANDO, FL 34442-2582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 8, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1998 · Amount on Record
Deed Sale	Apr 1, 1998 · Amount on Record
Deed Document Number	0001237268
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6451 N SILVERBELL TER, HERNANDO, FL 34442-2582
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031391654
Date	Mar 2, 2021
Book Page	3139/1654
Instrument	2021012967

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6451 N SILVERBELL TER, HERNANDO, FL 34442-2582
Document Number	0029970654
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6451 N SILVERBELL TER HERNANDO FL 344422582, HERNANDO, FL 34442-2582

Mortgage

Document Number	0029970654
Date	Aug 13, 2019
Book Page	002997/000654
Instrument	42250

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

Tax Assessment & Valuation

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	$1,050.00 (+8.36%) Homeowner's exemption Additional exemption filed	$224,923 (+5.18%) Land $7,800 Building $217,123	$224,923 (+5.18%) Land $7,800 Building $217,123
2024	$969.00 (+3.42%) Homeowner's exemption Additional exemption filed	$213,845 (+7.75%) Land $6,180 Building $207,665	$213,845 (+7.75%) Land $6,180 Building $207,665
2023	$937.00 (+6.84%) Homeowner's exemption Additional exemption filed	$198,458 (+14.59%) Land $6,180 Building $192,278	$198,458 (+14.59%) Land $6,180 Building $192,278
2022	$877.00 Homeowner's exemption Additional exemption filed	$173,187 Land $3,500 Building $169,687	$173,187 Land $3,500 Building $169,687

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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