8518 N Ocoee Ter, Crystal River, FL 34428 Property Records

Citrus County property record for 8518 N Ocoee Ter, Crystal River, FL 34428

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,357 sqft · built 2020
Lot Size	0.228 acres (9,940 sqft)
Owner	2 Individual Names on File
Last Sale	$168,900 (Jul 2020)
Tax Bill	$1,947 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Aug 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17E-17S-21-0010-00040-0160`

Property Details

APN / Parcel Number

Primary APN	`17E-17S-21-0010-00040-0160`
Alternative APNs	`2117S17E0010000400160` `3524343`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,357 sqft Living Area
Gross Area	1,757 sqft
1st Floor Area	1,357 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	9,940 sqft (0.228 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Open Porch
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3524343
Street Address	8518 N OCOEE TER
City	CRYSTAL RIVER
State	FL
Zip	34428-6897
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	HOLIDAY HTS UNIT 1 PB 4 PG 61 LOT 16 BLK 4
Legal Range	17E
Legal Township	17S
Legal Section	21
Legal Subdivision	HOLIDAY HEIGHTS UNIT 1
Legal Block	4
Legal Lot Number	16
Legal Unit	1
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	2
Census Block	2061
Census Tract	450402

Owner

8518 N Ocoee Ter is owned and occupied by two individuals who acquired it in August 2020.

Source: Citrus County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2020	Deed of Trust, Mortgage · Line of Credit DRUMMOND COMMUNITY BANK
Aug 10, 2020	Quit Claim Deed, Transfer SUPERIOR TITLE INSURANCE AGENCY/MARION COUNTY, SUPERIOR TITLE INS AGCY/MARION
Jul 24, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 23, 2019	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Aug 23, 2019 · Amount on File
Deed Document Number	202038321
Deed Book / Page	3077 / 1920
Last Transfer Date	Aug 4, 2020
Transfer Doc	0030811712
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030440866
Date	Mar 4, 2020
Book Page	3044/866
Instrument	2020012459

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank
Address	OCALA, FL 34471

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 2, 2021

Interest

Rate Type	Adjustable Rate

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 10, 2020
Property Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897
Document Number	0030811712
Book / Page	003081 / 001712
Instrument Date	Aug 4, 2020
Instrument	41231
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	SUPERIOR TITLE INSURANCE AGENCY/MARION COUNTY, SUPERIOR TITLE INS AGCY/MARION

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8518 N OCOEE TER CRYSTAL RIVER FL 344286897, CRYSTAL RIVER, FL 34428-6897

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 24, 2020
Property Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897
Document Number	0030771920
Book / Page	3077 / 1920
Map Reference	MB 4 PG 61&62
Instrument Date	Jul 23, 2020
Instrument	2020038321
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 30, 2021
Title Company	SUPERIOR TTL INS AGCY OF MAR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 SW 17TH ST, 1415, OCALA, FL 34471-1234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897

Mortgage

Document Number	30771921
Date	Jul 24, 2020
Instrument	3077/1921

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Aug 23, 2019
Property Address	8518 N OCOEE TER, CRYSTAL RIVER, FL 34428-6897
Document Number	0029991554
Book / Page	002999 / 001554
Instrument Date	Aug 23, 2019
Instrument	44234
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$63.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1415 SW 17TH ST OCALA FL 344711234, OCALA, FL 34471-1234
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 8518 N Ocoee Ter was $1,947 with a homeowner's exemption, up 5.8% from the year before.

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	$1,947.00 (+5.76%) Homeowner's exemption	$158,546 (-29.98%)	$217,067 (-4.13%) Land $7,600 Building $209,467
2024	$1,841.00 (+2.73%) Homeowner's exemption Additional exemption filed	$226,417 (+2.61%) Land $7,300 Building $219,117	$226,417 (+2.61%) Land $7,300 Building $219,117
2023	$1,792.00 (+6.92%) Homeowner's exemption Additional exemption filed	$220,659 (+39.84%) Land $6,530 Building $214,129	$220,659 (+39.84%) Land $6,530 Building $214,129
2022	$1,676.00 Homeowner's exemption Additional exemption filed	$157,793 Land $4,810 Building $152,983	$157,793 Land $4,810 Building $152,983

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8518 N Ocoee Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · rainfall accumulation

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

Wildfire risk around 8518 N Ocoee Ter is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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	CRYSTAL POINTE private · serves 94 people · EPA ID FL6094928
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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