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Single Family ResidenceResidential
$293,957$205 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $285,000 on Oct 6, 2023

3860 E GARNET LOOP

HERNANDO, FL 34442
3
Beds
2
Baths
1,437 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$294K
$272K low$316K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$285,000 · Oct 6, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,303 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$293,635 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,830
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$284,805
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$242,933
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$293,635

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.57 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCitrus
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2003
Lot (acres)The size of the land the home sits on, from county records.0.34
ConstructionThe main material the home's frame and walls are built from.Concrete Blocks
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Fiberglass
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 216 ft²

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(2)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Hernando Elementary SchoolD
Elementary · Grades PK–5 · 2.8 mi
M
Citrus Springs Middle SchoolB
Middle · Grades 6–8 · 4.6 mi
H
Citrus High SchoolC-
High · Grades 9–12 · 7.2 mi

District: Citrus County School District

Neighborhood · ZIP 34442These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.18,593
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.427 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,807
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,524
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3860 E Garnet Loop measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 67% of homes in Hernando 34442
  • Costs more per square foot than 78% of homes in Citrus County
  • Smaller than 65% of homes in Hernando 34442

What homes are worth in Hernando 34442

Each bar is how many homes fall in that price range. The marker is this home.

This home
$120K$825K

This home is worth more than 33% of homes in Hernando 34442.

How it measures up in Hernando 34442

The dot is this home. The mark in the middle is the typical home in Hernando 34442.

Estimated value$293,957
CheaperTypical $348,403Pricier

Pricier than 33% of homes nearby

Price per ft²$205
CheaperTypical $181Pricier

Pricier than 74% of homes nearby

Living area1,437 ft²
SmallerTypical 1,724 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.34 ac
SmallerTypical 0.46 acBigger

Bigger than 43% of homes nearby

Year built1993
OlderTypical 1997Newer

Newer than 43% of homes nearby

How 3860 E Garnet Loop ranks against every home in each area.
MeasureThis homeHernando 34442Citrus County
Estimated valuepricier than$293,95733% of homes58% of homes
Price per ft²pricier than$20574% of homes78% of homes
Living areabigger than1,437 ft²35% of homes44% of homes
Lot sizebigger than0.34 ac43% of homes48% of homes
Year builtnewer than199343% of homes56% of homes

About 3860 E Garnet Loop

How much is 3860 E Garnet Loop, Hernando, FL worth?

The TopHap Estimate for 3860 E Garnet Loop, Hernando, FL is $293,957 as of Aug 30, 2026. The likely range is $271,505 to $316,409. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3860 E Garnet Loop, Hernando, FL last sell?

3860 E Garnet Loop, Hernando, FL last sold on Oct 6, 2023 for $285,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 3860 E Garnet Loop, Hernando, FL?

3860 E Garnet Loop, Hernando, FL has 3 bedrooms, 2 bathrooms, 1,437 square feet of living space and a 0.34-acre lot.

When was 3860 E Garnet Loop, Hernando, FL built?

3860 E Garnet Loop, Hernando, FL was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 3860 E Garnet Loop, Hernando, FL?

3860 E Garnet Loop, Hernando, FL is assigned to Hernando Elementary School (elementary), rated D; Citrus Springs Middle School (middle), rated B; Citrus High School (high), rated C-. All sit in Citrus County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3860 E Garnet Loop, Hernando, FL compare to other homes in Hernando 34442?

Among the 9,581 homes in Hernando 34442, it is worth more than 33% of them ($293,957 against a typical $348,403), its price per square foot is higher than 74% of them ($205 against a typical $181), it is bigger than 35% of them (1,437 ft² against a typical 1,724 ft²), its lot is bigger than 43% of them (0.34 ac against a typical 0.46 ac) and it is newer than 43% of them (1993 against a typical 1997). Measured against all of Citrus County, it is worth more than 58% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3860 E Garnet Loop, Hernando, FL?

The 2025 property tax bill for 3860 E Garnet Loop, Hernando, FL was $3,303. The county assessed it at $293,635.

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