Citrus County property record for 97 E Liberty St, Hernando, FL 34442 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2007 |
| Square Footage | 4,848 sqft Living Area |
| Lot Size | 21,825 sqft (0.501 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $44,000 (2004) |
| Tax Bill | $3,104.00 (2024) |
Source: Citrus County records · APN 19E-18S-18-0110-00350-0260
Assessment roll updated December 3, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 05, 2026 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CREDIT UNION |
| Nov 17, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 27, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Aug 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 16, 2004 · Amount on Record |
| Deed Sale | Jul 16, 2004 · Amount on Record |
| Prior Sale | Jun 01, 1997 · Amount on Record |
| Deed Doc Number | 200450086 |
| Deed Book / Page | 1743 / 1312 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 05, 2026 |
| Property Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Document Number | 0000026018 |
| Book / Page | 3666 / 1520 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202626018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Document Number | 0000026018, |
|---|---|
| Date | May 05, 2026 |
| Book Page | 3666/1520 |
| Instrument | 202626018 |
| Name | SPACE COAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Document Number | 0032261262 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 3226/1262 |
| Instrument | 2021079592 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028370893 |
|---|---|
| Date | Jun 27, 2017 |
| Book Page | 2837/0893 |
| Instrument | 2017029762 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 97 E LIBERTY ST, HERNANDO, FL 34442-8362 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ALLIANCE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0030812265 |
|---|---|
| Date | Aug 11, 2020 |
| Book Page | 3081/2265 |
| Instrument | 2020041359 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2035 |
Source: Citrus County records · Assessment roll updated December 3, 2025 · Last verified May 2026
| 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 | $3,245.00 (+4.54%) Homeowner's exemption | $243,315 (-60.72%) | $607,798 (-1.87%) Land $35,000 Building $572,798 |
| 2024 | $3,104.00 (+2.41%) Homeowner's exemption Additional exemption filed | $619,405 (+4.15%) Land $33,500 Building $585,905 | $619,405 (+4.15%) Land $33,500 Building $585,905 |
| 2023 | $3,031.00 (+6.8%) Homeowner's exemption Additional exemption filed | $594,727 (+15.3%) Land $30,500 Building $564,227 | $594,727 (+15.3%) Land $30,500 Building $564,227 |
| 2022 | $2,838.00 Homeowner's exemption Additional exemption filed | $515,790 Land $29,000 Building $486,790 | $515,790 Land $29,000 Building $486,790 |
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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 19E-18S-18-0110-00350-0260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,848 sqft Living Area |
| Gross Area | 5,508 sqft Gross Area |
| 1st Floor | 2,424 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Fiberglass Roof |
| Lot Area | 21,825 sqft (0.501 acres) |
| Depth X Width | 145 ft x 150 ft Depth x Width |
| Parking Spaces | 6 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 660 sqft Garage |
| Pool Area | 480 sqft Pool |
|---|---|
| Deck Area | 184 sqft Deck |
| Patio Area | 368 sqft Patio |
| Porch Area | 320 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 2297701 |
|---|---|
| Street Address | 97 E LIBERTY ST |
| City | HERNANDO |
| State | FL |
| Zip | 34442-8362 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CITRUS HILLS 1ST ADD PB 9 PG 73 S1/2 OF LT 26 BLK 35 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 30 |
| Legal Subdivision | CITRUS HILLS 1ST ADD (PB9-73) |
| Legal Block | 35 |
| Legal Lot Number | 26 |
| Jurisdiction | CITRUS FL |
| Minor Civil Division | INVERNESS |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 450703 |
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