6645 N Canopy Ter, Hernando, FL 34442 Property Records

Citrus County property record for 6645 N Canopy Ter, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 2012
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Sep 2021)
Tax Bill	$3,560 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19E-17S-36-0010-00110-004.0`

Property Details

APN / Parcel Number

Primary APN	`19E-17S-36-0010-00110-004.0`
Alternative APNs	`3617S19E0010001100040` `1581524`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	1,490 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2012
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Area	383 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	49 sqft
Patio Area	100 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1581524
Old Parcel Number	3617S19E0010001100040
Street Address	6645 N CANOPY TER
City	HERNANDO
State	FL
Zip	34442-2506
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 96 LOT 4 BLK 11
Legal Range	19E
Legal Township	18S
Legal Section	02
Legal Subdivision	RIVER LAKES MANOR UNIT 1
Legal Block	11
Legal Lot Number	4
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2024
Census Tract	450105

Owner

Source: Citrus County records · APN 19E-17S-36-0010-00110-004.0

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	749 S ROOKS AVE # M, M, INVERNESS, FL 34453-8922
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 10, 2020	Grant Deed, Transfer ATTORNEY ONLY
Mar 18, 2019	Warranty Deed, Transfer · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Dec 10, 2020
Deed Document Number	2021067739
Deed Book / Page	3211 / 114
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Sep 30, 2021
Property Address	6645 N CANOPY TER, HERNANDO, FL 34442-2506
Document Number	0032110114
Book / Page	3211 / 114
Map Reference	MB 3 PG 96-101
Instrument Date	Sep 23, 2021
Instrument	2021067739
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	LAND TITLE/CITRUS COUNTY INC, LAND TTL OF CITRUS CNTY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 LEE ROAD 965, 440, VALLEY, AL 36854-6308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27429 POND DR, NEW HUDSON, MI 48165-8537

Mortgage

Document Number	3211115
Date	Sep 30, 2021
Instrument	3211/115

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CITRUS FL
Recording Date	Dec 10, 2020
Property Address	6645 N CANOPY TER, HERNANDO, FL 34442-2506
Document Number	0031152134
Book / Page	003115 / 002134
Instrument Date	Nov 20, 2020
Instrument	67606
Transaction Type	Transfer
Record Updated	Dec 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 LEE ROAD 965 VALLEY AL 368546308, VALLEY, AL 36854-6308

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 18, 2019
Property Address	6645 N CANOPY TER, HERNANDO, FL 34442-2506
Document Number	0029622358
Book / Page	002962 / 002358
Instrument Date	Mar 15, 2019
Instrument	13371
Transaction Type	Transfer
Record Updated	Apr 01, 2019
Title Company	MANATEE TITLE COMPANY INC, MANATEE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$931.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6645 N CANOPY TER HERNANDO FL 344422506, HERNANDO, FL 34442-2506

Mortgage

Document Number	29622359
Date	Mar 18, 2019
Book Page	002962/002359
Instrument	13372

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Tax Assessment & Valuation

Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,560.00 (+6.94%)	$225,904 (+4.46%) Land $5,060 Building $220,844	$225,904 (+4.46%) Land $5,060 Building $220,844
2024	$3,329.00 (+7.49%)	$216,260 (+7.21%) Land $5,400 Building $210,860	$216,260 (+7.21%) Land $5,400 Building $210,860
2023	$3,097.00 (+15.17%)	$201,712 (+15.24%) Land $5,400 Building $196,312	$201,712 (+15.24%) Land $5,400 Building $196,312
2022	$2,689.00 Additional exemption filed	$175,038 Land $3,500 Building $171,538	$175,038 Land $3,500 Building $171,538

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), as of January 14, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120174501052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 29 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	29 in force

Wildfire

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 116 locations within half a mile of this property.

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