6494 E Morley St, Inverness, FL 34452 Property Records

Citrus County property record for 6494 E Morley St, Inverness, FL 34452

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,770 sqft · built 1975
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Mar 2017)
Tax Bill	$1,319 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-29-0010-03730-0130`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-29-0010-03730-0130`
Alternative APNs	`2919S20E0010037300130` `1817943`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,770 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	634 sqft
Deck Area	208 sqft
Patio Area	374 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1817943
Street Address	6494 E MORLEY ST
City	INVERNESS
State	FL
Zip	34452-8030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	INVERNESS HGLDS WEST PB 5 PG 19 LOT 13 BLK 373 DESC IN OR BK 370 PG 831 & DC IN OR BK 809 PG 2177
Legal Range	20E
Legal Township	19S
Legal Section	32
Legal Subdivision	INVERNESS HIGHLANDS WEST
Legal Block	373
Legal Lot Number	13
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2043
Census Tract	451103

Owner

Source: Citrus County records, as of August 28, 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	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Jan 16, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 11, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 6, 2017	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2017 · Amount on Record
Deed Sale	Mar 6, 2017 · Amount on Record
Prior Sale	Dec 1, 2012 · Amount on Record
Deed Document Number	201710005
Deed Book / Page	2814 / 515
Prior Transfer Date	Dec 6, 2012
Prior Transfer Doc	0000053510
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	Aug 12, 2026
Property Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Document Number	0000048064
Book / Page	3697 / 309
Instrument Date	Apr 13, 2026
Instrument	202648064
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030

Mortgage

Document Number	0000048064,
Date	Aug 12, 2026
Book Page	3697/309
Instrument	202648064

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Transaction Type	Mortgage
Record Updated	Jan 26, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030

Mortgage

Document Number	0034372418
Date	Jan 16, 2024
Book Page	3437/2418
Instrument	2024002266

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	279 Months
Due	Apr 1, 2047

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030

Mortgage

Document Number	0032972068
Date	Jun 28, 2022
Book Page	3297/2068
Instrument	2022045989

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Apr 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030

Mortgage

Document Number	0031160474
Date	Dec 11, 2020
Book Page	3116/474
Instrument	2020067813

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Apr 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 6, 2017
Property Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030
Document Number	0028140515
Book / Page	2814 / 0515
Map Reference	MB5 PG19-33
Instrument Date	Mar 1, 2017
Instrument	2017010005
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	AMERICAN TITLE SERVICES OF C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4934 COQUINA KEY DR SE, 4934, SAINT PETERSBURG, FL 33705-4817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6494 E MORLEY ST, INVERNESS, FL 34452-8030

Mortgage

Document Number	0028140516
Date	Mar 6, 2017
Instrument	2814/0516

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$1,319.00 (+7.15%) Homeowner's exemption	$116,194 (-43.57%)	$198,648 (-3.53%) Land $9,200 Building $189,448
2024	$1,231.00 (+3.19%) Homeowner's exemption Additional exemption filed	$205,911 (+0.42%) Land $6,240 Building $199,671	$205,911 (+0.42%) Land $6,240 Building $199,671
2023	$1,193.00 (+10.26%) Homeowner's exemption Additional exemption filed	$205,046 (+19.43%) Land $6,560 Building $198,486	$205,046 (+19.43%) Land $6,560 Building $198,486
2022	$1,082.00 Homeowner's exemption Additional exemption filed	$171,684 Land $4,000 Building $167,684	$171,684 Land $4,000 Building $167,684

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	9 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% 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	INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861
Water Source	Groundwater
Last State Inspection	Dec 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	15 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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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