3150 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3150 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1976
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Owner Names on Record
Last Sale	$315,000 (Jun 2009)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage May 2018 Line of Credit + 2 more
Flood Zone	Zone VE (high risk)
APN	`R12-223-16-1900-0000-0130`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0130`
Alternative APNs	`00155414` `155414`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	1,440 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155414
Street Address	3150 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 13 13B
Legal Range	16E
Legal Township	23S
Legal Section	11
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	13
Legal Unit	2
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 10, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SUNCOAST CU
May 11, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jan 11, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jan 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2009 · Amount on Record
Deed Sale	Jun 17, 2009 · Amount on Record
Deed Document Number	2009032013
Deed Book / Page	2661 / 0896
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021

Mortgage

Document Number	0042250220
Date	Oct 3, 2022
Book Page	4225/220
Instrument	2022072268

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035821769
Date	May 11, 2018
Book Page	3582/1769
Instrument	2018029161

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036601056
Date	Jan 11, 2019
Book Page	3660/1056
Instrument	2019001908

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 21, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3150 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Document Number	0038010884
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3150 GULF WINDS CIR HERNANDO BEACH FL 346073021, HERNANDO BEACH, FL 34607-3021

Mortgage

Document Number	0038010884
Date	Jan 30, 2020
Book Page	003801/000884
Instrument	6493

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 29, 2035

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$4,688.00 (+0.39%) Additional exemption filed	$367,847 (+5.99%)	$707,217 (+5.21%) Land $490,515 Building $216,702
2023		$347,068 Land $175,230 Building $171,838
2022	$4,670.00		$672,224 Land $490,515 Building $181,709

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 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	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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.04% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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