945 W Keller St, Hernando, FL 34442 Property Records

Citrus County property record for 945 W Keller St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,876 sqft · built 1990
Lot Size	1.12 acres (49,175 sqft)
Owner	Individual Name on Record
Last Sale	$477,300 (Nov 2022)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00410-018.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00410-018.0`
Alternative APNs	`1818S19E0110004100180` `2300795`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,876 sqft Living Area
1st Floor Area	2,876 sqft
Flooring	Wood

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	49,175 sqft (1.12 acres)
Lot Dimensions	303 ft deep x 153 ft wide
Garage Area	672 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	792 sqft
Deck Area	208 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2300795
Old Parcel Number	1818S19E0110004100180
Street Address	945 W KELLER ST
City	HERNANDO
State	FL
Zip	34442-8812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CRR CENTRAL RIDGE RESIDEN
Legal Description	CITRUS HILLS 1ST ADD PB 9 PG 73 LOT 18 BLK 41
Legal Range	18E
Legal Township	18S
Legal Section	25
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	41
Legal Lot Number	18
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	2
Census Block	2000
Census Tract	450703

Owner

Source: Citrus County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	945 E KELLER ST, HERNANDO, FL 34442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Deed Document Number	2022077669
Deed Book / Page	3336 / 406
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Nov 21, 2022
Property Address	945 W KELLER ST, HERNANDO, FL 34442-8812
Document Number	0033360406
Book / Page	3336 / 406
Map Reference	MB 9 PG 73-83
Instrument Date	Nov 18, 2022
Instrument	2022077669
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	FLORIDA TITLE AND GUARANTEE AGENCY, FLORIDA TTL & GUARANTEE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,341.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	945 W KELLER ST, HERNANDO, FL 34442-8812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 W KELLER ST, HERNANDO, FL 34442-8812

Mortgage

Document Number	0003336408
Date	Nov 21, 2022
Instrument	3336/408

Lender

Name	BRANNEN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

Source: Citrus County assessment roll, as of July 1, 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	$5,294.00 (+79.64%) Additional exemption filed	$342,782 (-0.19%) Land $31,000 Building $311,782	$342,782 (-0.19%) Land $31,000 Building $311,782
2024	$2,947.00 (+2.47%) Homeowner's exemption Additional exemption filed	$343,433 (+1.71%) Land $29,500 Building $313,933	$343,433 (+1.71%) Land $29,500 Building $313,933
2023	$2,876.00 (+59.25%) Homeowner's exemption Additional exemption filed	$337,656 (+21.15%) Land $25,500 Building $312,156	$337,656 (+21.15%) Land $25,500 Building $312,156
2022	$1,806.00 Homeowner's exemption Additional exemption filed	$278,715 Land $17,250 Building $261,465	$278,715 Land $17,250 Building $261,465

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

Flood

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
Flood Insurance Cost	Premium on Record median of 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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	CITRUS CO UTL/CHARLES A. BLACK serves 29,218 people · EPA ID FL6094948
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20