8603 E Cross Ln, Inverness, FL 34450 Property Records

Citrus County property record for 8603 E Cross Ln, Inverness, FL 34450

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,487 sqft · built 1979
Lot Size	0.413 acres (17,998 sqft)
Owner	Individual Name on File
Last Sale	$100 (Mar 2011)
Tax Bill	$1,271 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-22-0040-000J0-0020`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-22-0040-000J0-0020`
Alternative APNs	`2219S20E0040000J00020` `1793301`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,487 sqft Living Area
Gross Area	3,238 sqft
1st Floor Area	2,487 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	17,998 sqft (0.413 acres)
Lot Dimensions	150 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	1 sqft
Porch	Screened Aluminum Porch
Porch Area	478 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1793301
Street Address	8603 E CROSS LN
City	INVERNESS
State	FL
Zip	34450-6940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLR
Legal Description	DAVIS LAKE GOLF ESTS UNIT 4 LOT 2 BLK J PB 7 PG 92 DESCR IN O R BK 534 PG 1513
Legal Range	20E
Legal Township	19S
Legal Section	22
Legal Subdivision	DAVIS LAKE GOLF ESTATES UNIT 4
Legal Block	J
Legal Lot Number	2
Legal Unit	4
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3013
Census Tract	451002

Owner

8603 E Cross Ln is owned and occupied by an individual who acquired it in March 2011.

Source: Citrus County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	8603 E CROSS LN, INVERNESS, FL 34450-6940
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
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2011 · Amount on File
Deed Sale	Mar 1, 2011 · Amount on File
Prior Sale	May 4, 2010 · Amount on File
Deed Book / Page	2431 / 1588
Last Transfer Date	Mar 24, 2011
Transfer Doc	0000031102
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Recording Date	Aug 4, 2026
Property Address	8603 E CROSS LN, INVERNESS, FL 34450-6940
Document Number	0000046077
Book / Page	3694 / 1420
Instrument Date	Jul 16, 2026
Instrument	202646077
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8603 E CROSS LN, INVERNESS, FL 34450-6940

Mortgage

Document Number	0000046077,
Date	Aug 4, 2026
Book Page	3694/1420
Instrument	202646077

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2056

Interest

Rate	6.47%
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	8603 E CROSS LN, INVERNESS, FL 34450-6940
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030122275
Date	Oct 23, 2019
Book Page	3012/2275
Instrument	2019055408

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 8603 E Cross Ln was $1,271 with a homeowner's exemption, up 7.3% 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	$1,271.00 (+7.26%) Homeowner's exemption	$112,967 (-59.08%)	$264,366 (-4.24%) Land $28,000 Building $236,366
2024	$1,185.00 (+5.24%) Homeowner's exemption Additional exemption filed	$276,085 (-1.5%) Land $28,000 Building $248,085	$276,085 (-1.5%) Land $28,000 Building $248,085
2023	$1,126.00 (+6.93%) Homeowner's exemption Additional exemption filed	$280,300 (+13.81%) Land $28,000 Building $252,300	$280,300 (+13.81%) Land $28,000 Building $252,300
2022	$1,053.00 Homeowner's exemption Additional exemption filed	$246,280 Land $21,220 Building $225,060	$246,280 Land $21,220 Building $225,060

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

Flood

FEMA maps place 8603 E Cross Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 8603 E Cross Ln is moderate, ranking above 46% 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 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Nearby Properties on E Cross Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures