Hernando County property record for 3092 Gulf Winds Cir, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,531 sqft · built 1976 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $500,000 (Jul 2009) |
| Tax Bill | $6,455 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | R12-223-16-1900-0000-0220 |
| Primary APN | R12-223-16-1900-0000-0220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,531 sqft Living Area |
| 1st Floor Area | 2,167 sqft |
| Upper Floors Area | 1,364 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Pool Area | 640 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 144 sqft |
| Patio Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00155487 |
|---|---|
| Street Address | 3092 GULF WINDS CIR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 2 LOTS 22 22B |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 11 |
| Legal Subdivision | GULF COAST RET UNIT 2 |
| Legal Lot Number | 22 |
| Legal Unit | 2 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 41501 |
Source: Hernando 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 | Owner Name on Record |
|---|---|
| Mailing Address | PO BOX 16966, TAMPA, FL 33687-6966 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2009 · Amount on Record |
| Deed Sale | Jul 7, 2009 · Amount on Record |
| Deed Document Number | 2009035649 |
| Deed Book / Page | 2666 / 0662 |
| Record Updated | Jun 8, 2026 |
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,455.00 (+0.19%) Additional exemption filed | $491,623 (+5.99%) | $1,231,378 (-1.95%) Land $790,190 Building $441,188 |
| 2023 | $463,852 Land $63,273 Building $400,579 | ||
| 2022 | $6,443.00 | $1,255,844 Land $790,190 Building $465,654 |
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 April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| 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 |
|
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 99.1% of the US · lower than 98.7% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 6 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 / 35 |
5G (outdoors only) and 4G LTE
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