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646 E Liberty St, Hernando, FL 34442 Property Records

Citrus County property record for 646 E Liberty St, Hernando, FL 34442 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2007
Square Footage2,204 sqft Living Area
Lot Size47,459 sqft (1.09 acres)
OccupancyOwner Occupied
Last Sale$77,500 (2006)
Tax Bill$2,817.00 (2024)

Owner

Source: Citrus County records · APN 19E-18S-18-0110-00380-0080

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 Record2 Trust Names on File
Mailing Address646 E LIBERTY ST, HERNANDO, FL 34442-3365
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingOwner is a Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 07, 2023Deed of Trust, Mortgage · Line of Credit
BRANNEN BANK
Mar 12, 2019Deed of Trust, Mortgage · Commercial Mortgage
SUNTRUST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 07, 2006 · Amount on Record
Deed SaleJul 07, 2006 · Amount on Record
Prior SaleNov 14, 2003 · Amount on Record
Deed Doc Number200647928
Deed Book / Page2025 / 2370
Last Transfer DateApr 29, 2015
Transfer Doc0026880963
Record RefreshedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address646 E LIBERTY ST, HERNANDO, FL 34442-3365
Transaction TypeMortgage
Record UpdatedJun 28, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address646 E LIBERTY ST, HERNANDO, FL 34442-3365

Mortgage

Document Number0033850424
DateJun 07, 2023
Book Page3385/424
Instrument2023033096
Lender
NameBRANNEN BANK
TypeBank
AddressINVERNESS, FL 34450
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJun 02, 2033
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCITRUS FL
Property Address646 E LIBERTY ST, HERNANDO, FL 34442-3365
Transaction TypeMortgage
Record UpdatedJul 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029612150
DateMar 12, 2019
Book Page2961/2150
Instrument2019012417
Lender
NameSUNTRUST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCitrus County
Unified School DistrictCitrus 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,950.00 (+4.72%) Homeowner's exemption$223,378 (-41.1%)$360,581 (-4.93%) Land $31,000 Building $329,581
2024$2,817.00 (+2.47%) Homeowner's exemption Additional exemption filed$379,267 (+2.56%) Land $29,500 Building $349,767$379,267 (+2.56%) Land $29,500 Building $349,767
2023$2,749.00 (+6.8%) Homeowner's exemption Additional exemption filed$369,802 (+20.2%) Land $25,500 Building $344,302$369,802 (+20.2%) Land $25,500 Building $344,302
2022$2,574.00 Homeowner's exemption Additional exemption filed$307,646 Land $17,250 Building $290,396$307,646 Land $17,250 Building $290,396

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN19E-18S-18-0110-00380-0080
Alternative APNs
  • 1818S19E0110003800080
  • 2298782

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,204 sqft Living Area
Gross Area3,088 sqft Gross Area
1st Floor2,204 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialCombination Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable Roof Construction
Roof MaterialFiberglass Roof
Lot Area47,459 sqft (1.09 acres)
Depth X Width295 ft x 160 ft Depth x Width
Parking Spaces7 Parking Spaces
Garage TypeAttached Garage
Garage Area481 sqft Garage

Exterior Amenities

Patio Area930 sqft Patio
PorchEnclosed Porch
Porch Area483 sqft Porch
Utility Building160 sqft Utility Building

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number2298782
Street Address646 E LIBERTY ST
CityHERNANDO
StateFL
Zip34442-3365
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCITRUS HILLS 1ST ADD PB 9 PG 73 LOT 8 BLK 38
Legal Range19E
Legal Township18S
Legal Section30
Legal SubdivisionCITRUS HILLS 1ST ADD (PB9-73)
Legal Block38
Legal Lot Number8
JurisdictionCITRUS FL
Minor Civil DivisionINVERNESS
Census Blockgroup3
Census Block3023
Census Tract450705

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