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3156 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3156 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,032 sqft · built 1968
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$265,000 (Jul 2016)
Tax Bill$4,787 (2025)
Deeds & MortgagesOct 2018 Mortgage
Flood ZoneZone VE (high risk)
APNR12-223-16-1900-0000-0120

Property Details

APN / Parcel Number

Primary APNR12-223-16-1900-0000-0120
Alternative APNs
  • 00155405
  • 155405

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories2 Stories
Building Area2,032 sqft Living Area
1st Floor Area1,352 sqft
Upper Floors Area680 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1990
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,712 sqft (0.2 acres)

Exterior Amenities

PorchPorch
Porch Area344 sqft
Deck Area35 sqft
Patio Area980 sqft
Utility Building96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00155405
Street Address3156 GULF WINDS CIR
CityHERNANDO BEACH
StateFL
Zip34607-3021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 2 LOT 12
Legal Range16E
Legal Township23S
Legal Section11
Legal SubdivisionGULF COAST RET UNIT 2
Legal Lot Number12
Legal Unit2
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2033
Census Tract41501

Owner

3156 Gulf Winds Cir is owned and occupied by an individual who bought it in July 2016.

Source: Hernando County records, as of December 10, 2025

Owner of RecordIndividual Name on File
Mailing Address3156 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 1, 2016 · Amount on File
Deed SaleJul 1, 2016 · Amount on File
Prior SaleApr 1, 2013
Deed Document Number0000337570
Deed Book / Page01238 / 01345
Prior Transfer DateMar 3, 2015
Prior Transfer Doc2015013008
Record UpdatedJun 8, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3156 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036290244
DateOct 3, 2018
Book Page3629/0244
Instrument2018059902
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term359 Months
DueSep 20, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 3156 Gulf Winds Cir was $4,787 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,787.00 Additional exemption filed$374,796$686,840 Land $476,875 Building $209,965
2023$353,624 Land $141,104 Building $212,520
2022$4,769.00$699,427 Land $476,875 Building $222,552

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

Flood

FEMA maps place 3156 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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 412 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies412 in force
Nearby Flood Claims1,071 (1979–2024)
Claims Outside the SFHA6 of 1,071
Most Recent ClaimOct 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 3156 Gulf Winds Cir is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

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

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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

Nearby Properties on Gulf Winds Cir

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