Citrus County property record for 875 E Ray St, Hernando, FL 34442 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,633 sqft Living Area |
| Lot Size | 44,639 sqft (1.02 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2018) |
| Tax Bill | $3,223.00 (2025) |
Source: Citrus County records · APN 19E-18S-18-0110-00360-020.0
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 875 E RAY ST, HERNANDO, FL 34442-4977 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 14, 2020 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Sep 23, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Sep 07, 2018 | Warranty Deed, Transfer MANATEE TITLE COMPANY INC |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2018 · Amount on Record |
| Deed Sale | Sep 07, 2018 · Amount on Record |
| Prior Sale | Oct 21, 2014 · Amount on Record |
| Deed Doc Number | 2018045533 |
| Deed Book / Page | 2925 / 1206 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 875 E RAY ST, HERNANDO, FL 34442-4977 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 875 E RAY ST, HERNANDO, FL 34442-4977 |
| Document Number | 0030992101 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 3099/2101 |
| Instrument | 2020055289 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Oct 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 875 E RAY ST, HERNANDO, FL 34442-4977 |
| Document Number | 0030992117 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 875 E RAY ST HERNANDO FL 344424977, HERNANDO, FL 34442-4977 |
| Document Number | 0030992117 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 003099/002117 |
| Instrument | 55290 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1044 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Sep 07, 2018 |
| Property Address | 875 E RAY ST, HERNANDO, FL 34442-4977 |
| Document Number | 0029251206 |
| Book / Page | 002925 / 001206 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 45533 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2018 |
| Title Company | MANATEE TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,820.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 875 E RAY ST HERNANDO FL 344424977, HERNANDO, FL 34442-4977 |
Source: Citrus County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
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 | $3,223.00 (+4.57%) Homeowner's exemption Additional exemption filed | $318,388 (-3.33%) Land $31,000 Building $287,388 | $318,388 (-3.33%) Land $31,000 Building $287,388 |
| 2024 | $3,082.00 (+2.46%) Homeowner's exemption Additional exemption filed | $329,355 (-0.26%) Land $29,500 Building $299,855 | $329,355 (-0.26%) Land $29,500 Building $299,855 |
| 2023 | $3,008.00 (+6.93%) Homeowner's exemption Additional exemption filed | $330,226 (+19.55%) Land $25,500 Building $304,726 | $330,226 (+19.55%) Land $25,500 Building $304,726 |
| 2022 | $2,813.00 Homeowner's exemption Additional exemption filed | $276,215 Land $17,250 Building $258,965 | $276,215 Land $17,250 Building $258,965 |
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
| 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 Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,941 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 19E-18S-18-0110-00360-020.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,633 sqft Living Area |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Concrete Blocks Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Hip Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 44,639 sqft (1.02 acres) |
| Depth X Width | 240 ft x 185 ft Depth x Width |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 276 sqft Pool |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2297981 |
|---|---|
| Old Parcel Number | 1818S19E0110003600200 |
| Street Address | 875 E RAY ST |
| City | HERNANDO |
| State | FL |
| Zip | 34442-4977 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 20 BLK 36 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 30 |
| Legal Subdivision | CITRUS HILLS 1ST ADD (PB9-73) |
| Legal Block | 36 |
| Legal Lot Number | 20 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 450705 |
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