3197 Rose Arbor Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3197 Rose Arbor Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2003
Square Footage	1,392 sqft Living Area
Lot Size	5,000 sqft (0.115 acres)
Occupancy	Owner Occupied
Last Sale	$188,000 (2015)
Tax Bill	$4,238.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2390-1290-0290`
Alternative APNs	`00169604` `169604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	1,392 sqft Living Area
Gross Area	3,352 sqft Gross Area
1st Floor	1,392 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	5 Parking Spaces
Garage Type	Attached Garage
Garage Area	1,248 sqft Garage
Deck Area	16 sqft Deck
Porch Area	496 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00169604
Street Address	3197 ROSE ARBOR DR
City	HERNANDO BEACH
State	FL
Zip	34607-3426
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 14 BLK 129 LOT 29
Legal Range	16E
Legal Township	23S
Legal Section	13
Legal Subdivision	HERNANDO BEACH UNIT 14
Legal Block	129
Legal Lot Number	29
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1008
Census Tract	41501

Owner

Source: Hernando County records · APN R13-223-16-2390-1290-0290

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	3197 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3426
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2015 · Amount on Record
Deed Sale	Apr 20, 2015 · Amount on Record
Prior Sale	Oct 06, 2008 · Amount on Record
Deed Doc Number	201523108
Deed Book / Page	3214 / 1030
Prior Transfer Date	Jul 18, 2005
Prior Transfer Doc	0020660981
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3197 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3426
Transaction Type	Mortgage
Record Updated	Feb 12, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3197 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3426

Mortgage

Document Number	0039380468
Date	Jan 13, 2021
Book Page	3938/468
Instrument	2021002282

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2036

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,238.00 (+15.38%) Homeowner's exemption	$301,493 (+7.13%)	$347,074 (-9.15%) Land $60,250 Building $286,824
2023		$281,429 (+3%) Land $281,429
2022	$3,673.00 Homeowner's exemption	$273,232	$382,028 Land $58,250 Building $323,778

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 15% of Florida
Wildfire Likelihood	About 1 in 1,961 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.