3061 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3061 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,703 sqft · built 1983
Lot Size	0.175 acres (7,632 sqft)
Owner	2 Company Names on Record
Last Sale	$319,000 (Aug 2015)
Tax Bill	$3,610 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1900-0000-0270`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0270`
Alternative APNs	`00155539` `155539`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,703 sqft Living Area
Gross Area	2,685 sqft
1st Floor Area	1,703 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,632 sqft (0.175 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	1,111 sqft
Deck Area	217 sqft
Patio Area	48 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155539
Street Address	3061 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 2 LOT 27
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	27
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2033
Census Tract	41501

Owner

Source: Hernando County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Loan Assumption FIRST SAVINGS BANK
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2015 · Amount on Record
Deed Sale	Aug 12, 2015 · Amount on Record
Prior Sale	Nov 17, 2009 · Amount on Record
Deed Document Number	201546591
Deed Book / Page	3267 / 958
Last Transfer Date	Oct 15, 2019
Transfer Doc	0037630180
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020

Mortgage

Document Number	0046071478
Date	Sep 10, 2025
Book Page	4607/1478
Instrument	2025062909

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	LEWISVILLE, TX 75067

Agreement

Type	Loan Assumption
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020

Mortgage

Document Number	0039541875
Date	Feb 19, 2021
Book Page	3954/1875
Instrument	2021011382

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036130836
Date	Aug 15, 2018
Book Page	3613/0836
Instrument	2018049299

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036681839
Date	Feb 7, 2019
Book Page	3668/1839
Instrument	2019007972

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Sep 1, 2048

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 16, 2019
Property Address	3061 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3020
Document Number	0037630180
Book / Page	003763 / 000180
Instrument Date	Oct 15, 2019
Instrument	65624
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3061 GULF WINDS CIR HERNANDO BEACH FL 346073020, HERNANDO BEACH, FL 34607-3020

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,610.00 (+15.15%)	$264,942 (+7.69%)	$480,767 (-1.52%) Land $286,451 Building $194,316
2023		$246,026 Land $65,208 Building $180,818
2022	$3,135.00		$488,205 Land $286,451 Building $201,754

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 April 19, 2026 · 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	13.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 412 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	412 in force
Nearby Flood Claims	1,071 (1979–2024)
Claims Outside the SFHA	6 of 1,071
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 342 claims Hurricane Idalia, Sep 2023 · 115 claims Tropical Storm Josephine, Oct 1996 · 84 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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