Hernando County property record for 3198 Gardenia Dr, Hernando Beach, FL 34607 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,560 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $190,000 (2013) |
| Tax Bill | $500.00 (2024) |
| Primary APN | R13-223-16-2350-1120-0220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Building Area | 1,560 sqft Living Area |
| 1st Floor | 936 sqft 1st Floor |
| Upper Floors | 624 sqft Upper Floors |
| Stories | 3 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Deck Area | 208 sqft Deck |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00169338 |
|---|---|
| Street Address | 3198 GARDENIA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3523 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 12 BLOCK 112 LOT 22 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 13 |
| Legal Subdivision | HERNANDO BEACH UNIT 12 |
| Legal Block | 112 |
| Legal Lot Number | 22 |
| Legal Unit | 12 |
| Jurisdiction | HERNANDO FL |
| Minor Civil Division | HERNANDO BEACH |
| Census Blockgroup | 1 |
| Census Block | 1032 |
| Census Tract | 41501 |
Source: Hernando County records · APN R13-223-16-2350-1120-0220
Assessment roll updated October 31, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3198 GARDENIA DR, HERNANDO BEACH, FL 34607-3523 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 02, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Nov 13, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 14, 2013 · Amount on Record |
| Deed Sale | Aug 14, 2013 · Amount on Record |
| Deed Doc Number | 2013046044 |
| Deed Book / Page | 3030 / 0530 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3198 GARDENIA DR, HERNANDO BEACH, FL 34607-3523 |
| Transaction Type | Mortgage |
| Record Updated | Jan 06, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3198 GARDENIA DR, HERNANDO BEACH, FL 34607-3523 |
| Document Number | 0040931452 |
|---|---|
| Date | Dec 02, 2021 |
| Book Page | 4093/1452 |
| Instrument | 2021090925 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3198 GARDENIA DR, HERNANDO BEACH, FL 34607-3523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0037730427 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 3773/0427 |
| Instrument | 2019071701 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
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 | $200,576 (+5.99%) | $304,419 (+7.22%) Land $108,446 Building $195,973 | |
| 2024 | $500.00 | ||
| 2023 | Additional exemption filed | $189,246 (+3%) Land $587 Building $188,659 | |
| 2022 | $3,411.00 Disabled Person's exemption Veteran's exemption | $183,734 | $283,915 Land $91,435 Building $192,480 |
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
| 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 | 13.0 ft |
| Coastal | Yes |
| Wildfire Risk | High above 87% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 208 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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