3186 Gulf Dr, Spring Hill, FL 34607 Property Records

Hernando County property record for 3186 Gulf Dr, Spring Hill, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,187 sqft · built 1977
Lot Size	0.114 acres (4,956 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Nov 2021)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`R36-223-16-2080-00A0-0030`

Property Details

APN / Parcel Number

Primary APN	`R36-223-16-2080-00A0-0030`
Alternative APNs	`00174698` `174698`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,187 sqft Living Area
Gross Area	1,645 sqft
1st Floor Area	1,187 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,956 sqft (0.114 acres)
Lot Dimensions	99 ft deep x 50 ft wide
Porch	Screened Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00174698
Street Address	3186 GULF DR
City	SPRING HILL
State	FL
Zip	34607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF N RIVER ISLANDS BLK A LOT 3
Legal Range	16E
Legal Township	23S
Legal Section	36
Legal Subdivision	GULF N RIVER ISLANDS
Legal Block	A
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1039
Census Tract	41501

Owner

3186 Gulf Dr is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3186 GULF DR, ARIPEKA, FL 34679
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Dec 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 31, 2017	Warranty Deed, Transfer · FHA Mortgage IFREEDOM DIRECT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	202189158
Deed Book / Page	4090 / 742
Prior Transfer Date	Oct 31, 2018
Prior Transfer Doc	0036500654
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 24, 2021
Property Address	3186 GULF DR, BROOKSVILLE, FL 34607
Document Number	0040900742
Book / Page	4090 / 742
Map Reference	MB 5 PG 48
Instrument Date	Nov 17, 2021
Instrument	2021089158
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1018 JEREMY CREEK RD, SUTHERLIN, VA 24594-3800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3186 GULF DR, ARIPEKA, FL 34679

Mortgage

Document Number	0004090744
Date	Nov 24, 2021
Instrument	4090/744

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 10, 2018
Property Address	3186 GULF DR, SPRING HILL, FL 34607
Document Number	0036500654
Book / Page	003650 / 000654
Instrument Date	Oct 31, 2018
Instrument	73590
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3186 GULF DR SPRING HILL FL 34607, SPRING HILL, FL 34607

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 31, 2017
Property Address	3186 GULF DR, SPRING HILL, FL 34607
Document Number	0035210287
Book / Page	003521 / 000287
Instrument Date	Oct 23, 2017
Instrument	61728
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3186 GULF DR SPRING HILL FL 34607, SPRING HILL, FL 34607

Mortgage

Document Number	35210289
Date	Oct 31, 2017
Book Page	003521/000289
Instrument	61729

Lender

Name	IFREEDOM DIRECT
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3186 Gulf Dr was $2,098 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	$2,098.00 Homeowner's exemption	$154,161	$174,018 Land $59,281 Building $114,737
2023		$145,452 Land $45,151 Building $100,301
2022	$1,608.00		$160,964 Land $59,281 Building $101,683

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

Flood

FEMA maps place 3186 Gulf Dr in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 357 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	357 in force
Nearby Flood Claims	602 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 245 claims Hurricane Idalia, Aug 2023 · 46 claims Hurricane Hermine, Sep 2016 · 35 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 3186 Gulf Dr is high, ranking above 84% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 76% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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
Also Mapped Here	PCUD-PASCO COUNTY REGIONAL PWS
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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Gulf Dr

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