948 W National St, Hernando, FL 34442 Property Records

Citrus County property record for 948 W National St, Hernando, FL 34442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,234 sqft · built 1998
Lot Size	1.02 acres (44,470 sqft)
Owner	2 Trust Names on File
Last Sale	$330,000 (Apr 2025)
Tax Bill	$2,537 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19E-18S-18-0110-00490-035.0`

Property Details

APN / Parcel Number

Primary APN	`19E-18S-18-0110-00490-035.0`
Alternative APNs	`1818S19E0110004900350` `2303336`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,234 sqft Living Area
1st Floor Area	2,234 sqft
Flooring	Concrete/Cement
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	44,470 sqft (1.02 acres)
Lot Dimensions	291 ft deep x 153 ft wide
Garage Area	740 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	320 sqft
Patio Area	234 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2303336
Old Parcel Number	1818S19E0110004900350
Street Address	948 W NATIONAL ST
City	HERNANDO
State	FL
Zip	34442-4867
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 35 BLK 49
Legal Range	18E
Legal Township	18S
Legal Section	36
Legal Subdivision	CITRUS HILLS 1ST ADD (PB9-73)
Legal Block	49
Legal Lot Number	35
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	3
Census Block	3020
Census Tract	450703

Owner

948 W National St is owner-occupied and held in a trust since April 2025.

Source: Citrus County records, as of December 10, 2025

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	948 W NATIONAL ST, HERNANDO, FL 34442-4867
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 24, 2025 · Amount on File
Deed Sale	Apr 24, 2025 · Amount on File
Prior Sale	Dec 18, 2013 · Amount on File
Deed Document Number	2025024878
Deed Book / Page	3560 / 1555
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	948 W NATIONAL ST, HERNANDO, FL 34442-4867
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	948 W NATIONAL ST, HERNANDO, FL 34442-4867

Mortgage

Document Number	0032222221
Date	Nov 5, 2021
Book Page	3222/2221
Instrument	2021076838

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 948 W National St was $2,537 with exemptions applied, up 2.1% from the year before.

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	$2,537.00 (+2.05%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$359,026 (-2.79%) Land $31,000 Building $328,026	$359,026 (-2.79%) Land $31,000 Building $328,026
2024	$2,486.00 (+2.64%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$369,349 (+2.11%) Land $29,500 Building $339,849	$369,349 (+2.11%) Land $29,500 Building $339,849
2023	$2,422.00 (+6.84%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$361,706 (+17.52%) Land $25,500 Building $336,206	$361,706 (+17.52%) Land $25,500 Building $336,206
2022	$2,267.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$307,790 Land $17,250 Building $290,540	$307,790 Land $17,250 Building $290,540

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

Flood

FEMA maps place 948 W National St in Zone X, an area of minimal flood risk.

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	7 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 948 W National St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 144 locations within half a mile, as of December 31, 2025

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