3187 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3187 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,370 sqft · built 1978
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Nov 2018)
Tax Bill	$5,829 (2025)
Deeds & Mortgages	May 2018 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1900-0000-0380`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0380`
Alternative APNs	`00155619` `155619`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
Gross Area	2,224 sqft
1st Floor Area	1,370 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	308 sqft
Patio Area	170 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155619
Street Address	3187 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 2 LOT 38
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	38
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 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	3187 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Deed of Trust, Mortgage · VA Mortgage PNC MORTGAGE LLC
Nov 13, 2018	Warranty Deed, Transfer · Conventional with PMI ALTERRA HM LNS
Jan 31, 2018	Warranty Deed, Transfer · VA Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2018 · Amount on File
Deed Sale	Nov 13, 2018 · Amount on File
Prior Sale	Jan 31, 2018 · Amount on File
Deed Document Number	201868337
Deed Book / Page	3642 / 308
Prior Transfer Date	May 6, 2008
Prior Transfer Doc	0025651863
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3187 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3023
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035831765
Date	May 16, 2018
Book Page	3583/1765
Instrument	2018029898

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Feb 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 13, 2018
Property Address	3187 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3023
Document Number	0036420308
Book / Page	003642 / 000308
Instrument Date	Oct 29, 2018
Instrument	68337
Transaction Type	Transfer
Record Updated	Dec 21, 2018
Title Company	SOUTHWEST TITLE COMPANY, SOUTHWEST TITLE CO.

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3187 GULF WINDS CIR HERNANDO BEACH FL 346073023, HERNANDO BEACH, FL 34607-3023

Mortgage

Document Number	36420310
Date	Nov 13, 2018
Book Page	003642/000310
Instrument	68338

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 31, 2018
Property Address	3187 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3023
Document Number	0035481329
Book / Page	3548 / 1329
Map Reference	MB6 PG89
Instrument Date	Jan 22, 2018
Instrument	2018006039
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,876.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8945 WATKINS MILL RD, 8945, WINSTON, GA 30187-1377

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4813 TAHITI DR, BONITA SPRINGS, FL 34134-7175

Mortgage

Document Number	2018006040
Date	Jan 31, 2018
Instrument	2018006040

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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	$5,829.00 (+11.73%)	$355,401 (+21%)	$402,210 (-2.64%) Land $224,700 Building $177,510
2023		$293,720 Land $112,616 Building $181,104
2022	$5,217.00		$413,130 Land $224,700 Building $188,430

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes
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

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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