Citrus County property record for 989 E Liberty St, Hernando, FL 34442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,916 sqft · built 1989 |
| Lot Size | 1 acres (43,565 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $191,500 (May 2019) |
| Tax Bill | $1,246 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19E-18S-33-0010-00040-0150 |
| Primary APN | 19E-18S-33-0010-00040-0150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 2,628 sqft |
| 1st Floor Area | 1,916 sqft |
| Flooring | Concrete/Cement |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 43,565 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 8 Parking Spaces |
| Pool Area | 308 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 2529369 |
|---|---|
| Street Address | 989 E LIBERTY ST |
| City | HERNANDO |
| State | FL |
| Zip | 34442-3367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | CLEARVIEW ESTS PB 13 PG 57 LOT 15 BLK 4 |
| Legal Range | 19E |
| Legal Township | 18S |
| Legal Section | 33 |
| Legal Subdivision | CLEARVIEW ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 15 |
| Jurisdiction | CITRUS FL |
| Township / Civil Division | INVERNESS |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 450705 |
Source: Citrus County records, as of August 20, 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 | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GTE FEDERAL CREDIT UNION |
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| May 28, 2019 | Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on Record |
| Deed Sale | May 28, 2019 · Amount on Record |
| Prior Sale | May 3, 2013 · Amount on Record |
| Deed Document Number | 201927002 |
| Deed Book / Page | 2978 / 1998 |
| Prior Transfer Date | Aug 30, 2002 |
| Prior Transfer Doc | 0001280957 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | Aug 5, 2026 |
| Property Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Document Number | 0000046431 |
| Book / Page | 3695 / 102 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202646431 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Document Number | 0000046431, |
|---|---|
| Date | Aug 5, 2026 |
| Book Page | 3695/102 |
| Instrument | 202646431 |
| Name | GTE FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Document Number | 0033861053 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 3386/1053 |
| Instrument | 2023034152 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 26, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CITRUS FL |
| Property Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Title Company | WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA WIKLE TTL INS AGCY |
| Name | Verified Name |
|---|---|
| Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Document Number | 0031740437 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 3174/437 |
| Instrument | 2021039957 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CITRUS FL |
| Recording Date | May 28, 2019 |
| Property Address | 989 E LIBERTY ST, HERNANDO, FL 34442-3367 |
| Document Number | 0029781998 |
| Book / Page | 002978 / 001998 |
| Instrument Date | May 20, 2019 |
| Instrument | 27002 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2019 |
| Title Company | WOLLINKA-WIKLE TITLE INSURANCE AGENCY, WOLLINKA-WIKLE TITLE INS AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 989 E LIBERTY ST HERNANDO FL 344423367, HERNANDO, FL 34442-3367 |
| Document Number | 29782000 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 002978/002000 |
| Instrument | 27003 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 27, 2049 |
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 | $1,246.00 (+7.41%) Homeowner's exemption | $113,292 (-60.32%) | $281,521 (-1.4%) Land $41,500 Building $240,021 |
| 2024 | $1,160.00 (+12.19%) Homeowner's exemption Additional exemption filed | $285,528 (-0.9%) Land $35,000 Building $250,528 | $285,528 (-0.9%) Land $35,000 Building $250,528 |
| 2023 | $1,034.00 (+6.93%) Homeowner's exemption Additional exemption filed | $288,114 (+16.27%) Land $33,800 Building $254,314 | $288,114 (+16.27%) Land $33,800 Building $254,314 |
| 2022 | $967.00 Homeowner's exemption Additional exemption filed | $247,789 Land $28,300 Building $219,489 | $247,789 Land $28,300 Building $219,489 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 115 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 |
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