649 E Morningstar Ln, Hernando, FL 34442 Property Records

Citrus County property record for 649 E Morningstar Ln, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,820 sqft · built 2022
Lot Size	1 acres (43,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$19,000 (Feb 2021)
Tax Bill	$4,655 (2025)
Deeds & Mortgages	May 2021 Construction Loan Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-17-0010-000A0-0650`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-17-0010-000A0-0650`
Alternative APNs	`1718S19E0010000A00650` `2354461`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,533 sqft
1st Floor Area	1,820 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Combination
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	43,556 sqft (1 acres)
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	6 Parking Spaces
Pool Area	288 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	2354461
Street Address	649 E MORNINGSTAR LN
City	HERNANDO
State	FL
Zip	34442-2855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	FAIRVIEW ESTATES PB 12 PG 49 LOT 65 BLK A
Legal Range	19E
Legal Township	18S
Legal Section	07
Legal Subdivision	FAIRVIEW ESTATES
Legal Block	A
Legal Lot Number	65
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1022
Census Tract	450103

Owner

Source: Citrus County records, as of August 12, 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	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · Construction Mortgage MID-AMERICAN MORTGAGE INC
Mar 22, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 2, 2021	Warranty Deed, Transfer INCOMPASS TITLE LLC, COMPASS TITLE LLC
Jul 19, 2017	Warranty Deed, Transfer MARION LAKE SUMTER TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2021 · Amount on Record
Deed Sale	Feb 2, 2021 · Amount on Record
Prior Sale	Jul 19, 2017 · Amount on Record
Deed Document Number	20216477
Deed Book / Page	3131 / 682
Last Transfer Date	Mar 20, 2023
Transfer Doc	0033640381
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5985 W CROYDEN CIR, CRYSTAL RIVER, FL 34429-5772

Mortgage

Document Number	0031691091
Date	May 28, 2021
Book Page	3169/1091
Instrument	2021036197

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	Mar 22, 2023
Property Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855
Document Number	0033640381
Book / Page	3364 / 381
Map Reference	MB 12 PG 49-60
Instrument Date	Mar 20, 2023
Instrument	2023016245
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 2, 2021
Property Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855
Document Number	0031310682
Book / Page	3131 / 682
Map Reference	MB 12 PG 49-60
Instrument Date	Jan 26, 2021
Instrument	2021006477
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	INCOMPASS TITLE LLC, COMPASS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$133.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1856 WAXELICA LOOP, LECANTO, FL 34461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 N ANNAPOLIS AVE, HERNANDO, FL 34442-4715

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 19, 2017
Property Address	649 E MORNINGSTAR LN, HERNANDO, FL 34442-2855
Document Number	0028412241
Book / Page	002841 / 002241
Instrument Date	Jul 19, 2017
Instrument	33559
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	MARION LAKE SUMTER TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$108.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1856 W ANGELICA LOOP LECANTO FL 344616421, LECANTO, FL 34461-6421

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	$4,655.00 (+4.07%) Homeowner's exemption	$341,139 (+0.61%)	$341,244 (+0.64%) Land $33,500 Building $307,744
2024	$4,473.00 (+2.33%) Homeowner's exemption Additional exemption filed	$339,078 (-) Land $33,500 Building $305,578	$339,078 (-) Land $33,500 Building $305,578
2023	$4,371.00 (+1,292.04%) Homeowner's exemption Additional exemption filed	$339,078 (+1,477.11%) Land $31,500 Building $307,578	$339,078 (+1,477.11%) Land $31,500 Building $307,578
2022	$314.00 Additional exemption filed	$21,500 Land $21,500	$21,500 Land $21,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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	ROLLING OAKS SUBDIVISION public/private · serves 11,572 people · EPA ID FL6090150
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	2 ppb (2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 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 83 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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