657 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 657 W Keller St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,831 sqft · built 2002
Lot Size	1.21 acres (52,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Jul 2026)
Tax Bill	$6,249 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00410-0080`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00410-0080`
Alternative APNs	`1818S19E0110004100080` `2300655`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,831 sqft Living Area
Gross Area	3,455 sqft
1st Floor Area	2,831 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	52,832 sqft (1.21 acres)
Lot Dimensions	331 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	11 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Slab
Porch Area	215 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2300655
Street Address	657 W KELLER ST
City	HERNANDO
State	FL
Zip	34442-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LT 8 BLK 41
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	41
Legal Lot Number	8
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2000
Census Tract	450703

Owner

Source: Citrus County records, as of August 26, 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	657 W KELLER ST, HERNANDO, FL 34442-8809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
May 18, 2021	Intrafamily Transfer, Transfer
Feb 24, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Feb 24, 2017 · Amount on Record
Deed Document Number	202643333
Deed Book / Page	3690 / 1706
Prior Transfer Date	May 18, 2021
Prior Transfer Doc	0031651719
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 21, 2026
Property Address	657 W KELLER ST, HERNANDO, FL 34442-8809
Document Number	0000043333
Book / Page	3690 / 1706
Instrument Date	Jul 20, 2026
Instrument	202643333
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SUNCOAST ONE TITLE, SUNCOAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 W KELLER ST, HERNANDO, FL 34442-8809

Mortgage

Document Number	0000043334,
Date	Jul 21, 2026
Instrument	202643334

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CITRUS FL
Recording Date	May 18, 2021
Property Address	657 W KELLER ST, HERNANDO, FL 34442-8809
Document Number	0031651719
Book / Page	3165 / 1719
Map Reference	MB 9 PG 73-83
Instrument Date	May 18, 2021
Instrument	2021033121
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657W KELLER STREET, CRYSTAL RIVER, FL 34429

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Feb 24, 2017
Property Address	657 W KELLER ST, HERNANDO, FL 34442-8809
Document Number	0028121467
Book / Page	002812 / 001467
Instrument Date	Feb 22, 2017
Instrument	8569
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	657 W KELLER ST HERNANDO FL 344428809, HERNANDO, FL 34442-8809

Mortgage

Document Number	28121469
Date	Feb 24, 2017
Book Page	002812/001469
Instrument	8570

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 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	$6,249.00 (+4.83%)	$404,405 (-4.69%) Land $31,000 Building $373,405	$404,405 (-4.69%) Land $31,000 Building $373,405
2024	$5,961.00 (+5.6%)	$424,290 (+2.49%) Land $29,500 Building $394,790	$424,290 (+2.49%) Land $29,500 Building $394,790
2023	$5,645.00 (+17.53%)	$413,977 (+20.81%) Land $25,500 Building $388,477	$413,977 (+20.81%) Land $25,500 Building $388,477
2022	$4,803.00	$342,662 Land $17,250 Building $325,412	$342,662 Land $17,250 Building $325,412

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 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% 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

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