9645 W Edgar Earl Loop, Crystal River, FL 34428 Property Records

Citrus County property record for 9645 W Edgar Earl Loop, Crystal River, FL 34428

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,655 sqft · built 2012
Lot Size	1.9 acres (82,764 sqft)
Owner	Individual Name on Record
Tax Bill	$3,201 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`17E-17S-33-23000-001.0`

Property Details

APN / Parcel Number

Primary APN	`17E-17S-33-23000-001.0`
Alternative APNs	`3317S17E230000010` `3228067`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,655 sqft Living Area
1st Floor Area	2,655 sqft
Flooring	Concrete/Cement

Exterior

Year Built	Built 2012
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	82,764 sqft (1.9 acres)
Garage Area	550 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Open Porch
Porch Area	675 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3228067
Old Parcel Number	3317S17E230000010
Street Address	9645 W EDGAR EARL LOOP
City	CRYSTAL RIVER
State	FL
Zip	34428-6624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURMH RURAL RESIDENTIAL M
Legal Description	EMERALD OAKS UNREC SUB LOT 1 SEC 33-17-17 COMM NW COR SE1/4 OF SW1/4 TH S 00D 29M 20S E AL W LN SD SE1/4 OF SW1/4 37.50 FT TH
Legal Range	17E
Legal Township	17S
Legal Section	33
Legal Subdivision	EMERALD OAKS (23000)
Legal Lot Number	1
Jurisdiction	CITRUS FL
Township / Civil Division	CRYSTAL RIVER
Census Block Group	2
Census Block	2021
Census Tract	450305

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	9645 W EDGAR EARL LOOP, CRYSTAL RIVER, FL 34428-6624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Feb 18, 2020	Deed of Trust, Mortgage · Conventional with PMI SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2015
Deed Sale	May 7, 2015
Prior Sale	Nov 7, 2014 · Amount on Record
Deed Document Number	2015021189
Deed Book / Page	2687 / 1263
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	9645 W EDGAR EARL LOOP, CRYSTAL RIVER, FL 34428-6624
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9645 W EDGAR EARL LOOP, CRYSTAL RIVER, FL 34428-6624

Mortgage

Document Number	0033620898
Date	Mar 15, 2023
Book Page	3362/898
Instrument	2023014795

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	276 Months
Due	Mar 14, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CITRUS FL
Property Address	9645 W EDGAR EARL LOOP, CRYSTAL RIVER, FL 34428-6624
Document Number	0030420442
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9645 W EDGAR EARL LOOP CRYSTAL RIVER FL 344286624, CRYSTAL RIVER, FL 34428-6624

Mortgage

Document Number	0030420442
Date	Feb 26, 2020
Book Page	003042/000442
Instrument	10797

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

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	$3,201.00 (+4.54%) Homeowner's exemption Additional exemption filed	$449,740 (-2.03%) Land $35,180 Building $414,560	$449,740 (-2.03%) Land $35,180 Building $414,560
2024	$3,062.00 (+2.44%) Homeowner's exemption Additional exemption filed	$459,069 (+2.86%) Land $28,520 Building $430,549	$459,069 (+2.86%) Land $28,520 Building $430,549
2023	$2,989.00 (+6.83%) Homeowner's exemption Additional exemption filed	$446,292 (+13.05%) Land $27,570 Building $418,722	$446,292 (+13.05%) Land $27,570 Building $418,722
2022	$2,798.00 Homeowner's exemption Additional exemption filed	$394,765 Land $22,820 Building $371,945	$394,765 Land $22,820 Building $371,945

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.5 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	35 (2016–2024)
Claims Outside the SFHA	1 of 35
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 23 claims Hurricane Idalia, Aug 2023 · 4 claims Hurricane Hermine, Sep 2016 · 3 claims

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	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 17 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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