Hernando County property record for 3164 Gulf Winds Cir, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,331 sqft · built 1987 |
| Lot Size | 0.229 acres (9,981 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $13,947 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | R12-223-16-1900-0000-0110 |
| Primary APN | R12-223-16-1900-0000-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,331 sqft Living Area |
| Gross Area | 5,554 sqft |
| 1st Floor Area | 2,331 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,981 sqft (0.229 acres) |
| Garage Type | Attached |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 612 sqft |
| Deck Area | 16 sqft |
| Patio Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00155398 |
|---|---|
| Street Address | 3164 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 11 11B |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 2 |
| Legal Lot Number | 11 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 41501 |
3164 Gulf Winds Cir is owner-occupied and held in a trust since January 2015.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3164 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3021 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 7, 2015 |
| Transfer Doc | 0031601367 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3164 Gulf Winds Cir was $13,947.
Source: Hernando County assessment roll, as of December 8, 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 | $13,947.00 | $944,618 Land $546,646 Building $397,972 | $944,618 Land $546,646 Building $397,972 |
| 2023 | $1,020,479 Land $555,609 Building $464,870 | ||
| 2022 | $15,498.00 | $1,020,479 Land $546,646 Building $473,833 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3164 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 |
|
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 risk around 3164 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 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.
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 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.
5G (outdoors only) and 4G LTE
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