826 E Gaines Ln, Hernando, FL 34442 Property Records

Citrus County property record for 826 E Gaines Ln, Hernando, FL 34442 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1994
Square Footage	1,770 sqft Living Area
Lot Size	42,408 sqft (0.973 acres)
Occupancy	Owner Occupied
Last Sale	$392,000 (2022)
Tax Bill	$3,620.00 (2025)

Owner

Source: Citrus County records · APN 19E-18S-18-0110-00030-001.0

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	826 E GAINES LN, HERNANDO, FL 34442-4774
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Oct 08, 2003 · Amount on Record
Deed Doc Number	2022033689
Deed Book / Page	3282 / 1567
Record Refreshed	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	May 10, 2022
Property Address	826 E GAINES LN, HERNANDO, FL 34442-4774
Document Number	0032821567
Book / Page	3282 / 1567
Map Reference	MB 9 PG 73-83
Instrument Date	May 07, 2022
Instrument	2022033689
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	KEYSTONE TITLE, KEYSTONE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,744.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 KINGS WAY, 209, SATELLITE BEACH, FL 32937-3240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 E GAINES LN, HERNANDO, FL 34442-4774

Mortgage

Document Number	0032821569
Date	May 10, 2022
Instrument	3282/1569

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

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	$3,620.00 (-4.76%) Homeowner's exemption Additional exemption filed	$271,338 (-5.18%) Land $32,000 Building $239,338	$271,338 (-5.18%) Land $32,000 Building $239,338
2024	$3,801.00 (+0.58%) Homeowner's exemption Additional exemption filed	$286,172 (+1.37%) Land $26,500 Building $259,672	$286,172 (+1.37%) Land $26,500 Building $259,672
2023	$3,779.00 (+226.34%) Homeowner's exemption Additional exemption filed	$282,311 (+20.61%) Land $24,000 Building $258,311	$282,311 (+20.61%) Land $24,000 Building $258,311
2022	$1,158.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$234,064 Land $18,000 Building $216,064	$234,064 Land $18,000 Building $216,064

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Citrus County (12017C), updated January 14, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 37% of the US · above 11% of Florida
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00030-001.0`
Alternative APNs	`1818S19E0110000300010` `2288191`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,770 sqft Living Area
1st Floor	1,741 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Concrete/Cement Flooring
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Architectural Style	Other Style
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Foundation Type	Footing Foundation
Roof Construction	Hip Roof Construction
Roof Material	Fiberglass Roof
Lot Area	42,408 sqft (0.973 acres)
Depth X Width	250 ft x 174 ft Depth x Width
Parking Spaces	8 Parking Spaces
Garage Area	506 sqft Garage

Exterior Amenities

Pool Area	200 sqft Pool
Porch	Open Porch
Porch Area	198 sqft Porch
Utility Building	144 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Heating Fuel	Electric Heating Fuel

Location & Zoning

Account Number	2288191
Old Parcel Number	1818S19E0110000300010
Street Address	826 E GAINES LN
City	HERNANDO
State	FL
Zip	34442-4774
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 1 BLK 3
Legal Range	19E
Legal Township	18S
Legal Section	18
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	3
Legal Lot Number	1
Jurisdiction	CITRUS FL
Minor Civil Division	INVERNESS
Census Blockgroup	2
Census Block	2028
Census Tract	450104