685 E Savoy St, Lecanto, FL 34461 Property Records

Citrus County property record for 685 E Savoy St, Lecanto, FL 34461

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,576 sqft · built 1988
Lot Size	1.14 acres (49,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2026)
Tax Bill	$3,493 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-31-0010-000A0-0050`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-31-0010-000A0-0050`
Alternative APNs	`3118S19E0010000A00050` `1624053`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,576 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,576 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	49,729 sqft (1.14 acres)
Lot Dimensions	331 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	374 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1624053
Street Address	685 E SAVOY ST
City	LECANTO
State	FL
Zip	34461-8768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	KENSINGTON ESTS UNIT 1 PLAT BK 11 PGS 59 THRU 64 LOT 5 BLK A
Legal Range	19E
Legal Township	18S
Legal Section	31
Legal Subdivision	KENSINGTON ESTATES UNIT 1
Legal Block	A
Legal Lot Number	5
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2020
Census Tract	450704

Owner

Source: Citrus County records, as of August 11, 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	685 E SAVOY ST, LECANTO, FL 34461-8768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Mar 1, 2009 · Amount on Record
Deed Document Number	202644385
Deed Book / Page	3692 / 526
Prior Transfer Date	Mar 10, 2009
Prior Transfer Doc	0000017271
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 27, 2026
Property Address	685 E SAVOY ST, LECANTO, FL 34461-8768
Document Number	0000044385
Book / Page	3692 / 526
Instrument Date	Jul 14, 2026
Instrument	202644385
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	TITLE USA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 E SAVOY ST, LECANTO, FL 34461-8768

Mortgage

Document Number	0000044386,
Date	Jul 27, 2026
Instrument	202644386

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

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	$3,493.00 (+6.92%)	$227,546 (-0.54%) Land $35,900 Building $191,646	$227,546 (-0.54%) Land $35,900 Building $191,646
2024	$3,267.00 (+5.9%)	$228,787 (+3.53%) Land $30,000 Building $198,787	$228,787 (+3.53%) Land $30,000 Building $198,787
2023	$3,085.00 (+14.64%)	$220,990 (+14.44%) Land $28,000 Building $192,990	$220,990 (+14.44%) Land $28,000 Building $192,990
2022	$2,691.00	$193,107 Land $21,400 Building $171,707	$193,107 Land $21,400 Building $171,707

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	4 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	0.07% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20