3114 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3114 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1993
Lot Size	0.201 acres (8,750 sqft)
Owner	Individual Name on File
Tax Bill	$13,880 (2025)
Deeds & Mortgages	Mar 2022 Sale May 2019 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`R12-223-16-1900-0000-0190`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0190`
Alternative APNs	`00155478` `155478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	4,044 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	8,750 sqft (0.201 acres)
Garage Type	Attached
Garage Area	1,280 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	432 sqft
Porch	Enclosed Porch
Porch Area	1,164 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155478
Street Address	3114 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 2 LOTS 19 19B OR 914 PG 736 OR 933 PG 1475
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	19
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2033
Census Tract	41501

Owner

3114 Gulf Winds Cir is owned and occupied by an individual who acquired it in March 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 6117, SPRING HILL, FL 34611-6117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
May 23, 2019	Warranty Deed, Transfer · ARM LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2022
Deed Sale	Mar 22, 2022
Prior Sale	May 23, 2019 · Amount on File
Deed Document Number	202221801
Deed Book / Page	4144 / 908
Prior Transfer Date	Nov 17, 2008
Prior Transfer Doc	0026091571
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 22, 2022
Property Address	3114 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Document Number	0041440908
Book / Page	4144 / 908
Map Reference	MB 6 PG 89,89A&89B
Instrument Date	Mar 2, 2022
Instrument	2022021801
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6117, SPRING HILL, FL 34611-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6117, SPRING HILL, FL 34611-6117

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 23, 2019
Property Address	3114 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Document Number	0037061663
Book / Page	3706 / 1663
Map Reference	MB 6 PG 89A-89B
Instrument Date	May 20, 2019
Instrument	2019031888
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4126 OLD FORGE DR, 4126, FORT GRATIOT, MI 48059-4027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3114 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021

Mortgage

Document Number	0037061665
Date	May 23, 2019
Instrument	3706/1665

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3114 Gulf Winds Cir was $13,880 with a homeowner's exemption.

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	$13,880.00 Homeowner's exemption	$979,340 Land $488,275 Building $491,065	$979,340 Land $488,275 Building $491,065
2023		$967,236 Land $484,755 Building $482,481
2022	$14,088.00		$1,011,216 Land $488,275 Building $522,941

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3114 Gulf Winds Cir in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3114 Gulf Winds Cir is low, with less than a 0.01% annual chance of wildfire.

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gulf Winds Cir

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