Citrus County property record for 902 Spruce St, Inverness, FL 34452
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,226 sqft · built 1972 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $229,000 (Jan 2022) |
| Tax Bill | $1,949 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Jan 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 20E-19S-21-0020-02370-0370 |
| Primary APN | 20E-19S-21-0020-02370-0370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,226 sqft Living Area |
| Gross Area | 1,929 sqft |
| 1st Floor Area | 986 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Screened Aluminum Porch |
| Porch Area | 453 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1774411 |
|---|---|
| Street Address | 902 SPRUCE ST |
| City | INVERNESS |
| State | FL |
| Zip | 34452-6440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| Legal Description | INVERNESS HGLDS SOUTH PB 3 PG 51 LOTS 37 & 38 BLK 237 |
| Legal Range | 20E |
| Legal Township | 19S |
| Legal Section | 21 |
| Legal Subdivision | INVERNESS HIGHLANDS SOUTH |
| Legal Block | 237 |
| Legal Lot Number | 37,38 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 451103 |
Source: Citrus County records, as of March 6, 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 | 902 SPRUCE ST, INVERNESS, FL 34452-6440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC |
| Jan 28, 2021 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2022 · Amount on Record |
| Deed Sale | Jan 13, 2022 · Amount on Record |
| Prior Sale | Oct 3, 2016 · Amount on Record |
| Deed Document Number | 20222858 |
| Deed Book / Page | 3243 / 2123 |
| Prior Transfer Date | Jan 12, 2021 |
| Prior Transfer Doc | 0031292365 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jan 13, 2022 |
| Property Address | 902 SPRUCE ST, INVERNESS, FL 34452-6440 |
| Document Number | 0032432123 |
| Book / Page | 3243 / 2123 |
| Map Reference | MB 3 PG 51-66 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022002858 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,603.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3490 S WINDING PATH, 3490, INVERNESS, FL 34450-7518 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 463, RAYMOND, NH 03077-0463 |
| Document Number | 0032432125 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 3243/2125 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Jan 28, 2021 |
| Property Address | 902 SPRUCE ST, INVERNESS, FL 34452-6440 |
| Document Number | 0031292365 |
| Book / Page | 003129 / 002365 |
| Instrument Date | Jan 12, 2021 |
| Instrument | 5493 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3490 S WINDING PATH INVERNESS FL 344507518, INVERNESS, FL 34450-7518 |
Source: Citrus County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Citrus County |
| Unified School District | Citrus County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,949.00 (-1.42%) | $158,666 (-2.79%) Land $7,760 Building $150,906 | $158,666 (-2.79%) Land $7,760 Building $150,906 |
| 2024 | $1,977.00 (-0.6%) Homeowner's exemption Additional exemption filed | $163,221 (+0.3%) Land $7,120 Building $156,101 | $163,221 (+0.3%) Land $7,120 Building $156,101 |
| 2023 | $1,989.00 (+16.52%) Homeowner's exemption Additional exemption filed | $162,731 (+31.71%) Land $6,400 Building $156,331 | $162,731 (+31.71%) Land $6,400 Building $156,331 |
| 2022 | $1,707.00 | $123,551 Land $5,520 Building $118,031 | $123,551 Land $5,520 Building $118,031 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | INVERNESS WATER DEPT serves 7,194 people · EPA ID FL6090861 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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.
Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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