1. Home
  2. Florida
  3. Hernando County
  4. Hernando Beach
  5. Sanibel Dr

3198 Sanibel Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3198 Sanibel Dr, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,567 sqft · built 1976
Lot Size0.332 acres (14,457 sqft)
OwnerCompany Name on File
Last Sale$360,000 (Dec 2024)
Tax Bill$7,902 (2025)
Deeds & MortgagesMay 2026 Mortgage
Mar 2026 Transfer
+ 1 more
Flood ZoneZone AE (high risk)
APNR12-223-16-2010-0370-0030

Property Details

APN / Parcel Number

Primary APNR12-223-16-2010-0370-0030
Alternative APNs
  • 00157403
  • 157403

Interior

Bedrooms5 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area2,567 sqft Living Area
Gross Area3,254 sqft
1st Floor Area2,567 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1990
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area14,457 sqft (0.332 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area576 sqft
PorchOpen Porch
Porch Area1,268 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00157403
Street Address3198 SANIBEL DR
CityHERNANDO BEACH
StateFL
Zip34607-2856
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 4 BLK 37 LOT 3 ORB 2453 PG 1632
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 4
Legal Block37
Legal Lot Number3
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2025
Census Tract41501

Owner

3198 Sanibel Dr is owned by a company that acquired it in March 2026.

Source: Hernando County records, as of June 4, 2026

Owner of RecordCompany Name on File
Mailing Address11862 SW 169TH ST, MIAMI, FL 33177-2152
Owner TypeCompany
VestingLimited Liability Partnership

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

DateDocument
May 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
HOMETOWN EQUITY MORTGAGE
Mar 11, 2026Quit Claim Deed, Transfer
Quitclaim
Dec 26, 2024Warranty Deed, Construction Loan · Construction Mortgage
KIAVI FUNDING INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 26, 2024 · Amount on File
Deed SaleDec 26, 2024 · Amount on File
Prior SaleOct 25, 2013 · Amount on File
Deed Document Number202479303
Deed Book / Page4504 / 1980
Last Transfer DateMar 11, 2026
Transfer Doc0000016226
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Recording DateMay 20, 2026
Property Address3198 SANIBEL DR, HERNANDO BEACH, FL 34607-2856
Document Number0000034504
Book / Page4712 / 411
Instrument DateMay 13, 2026
Instrument202634504
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address11862 SW 169TH ST, MIAMI, FL 33177-2152

Mortgage

Document Number0000034504,
DateMay 20, 2026
Book Page4712/411
Instrument202634504
Lender
NameHOMETOWN EQUITY MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

March 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHERNANDO FL
Recording DateMar 11, 2026
Property Address3198 SANIBEL DR, HERNANDO BEACH, FL 34607-2856
Document Number0046800491
Book / Page4680 / 491
Map ReferenceMB 6 PG 95A-95C
Instrument DateMar 11, 2026
Instrument2026016226
Transaction TypeTransfer
Record UpdatedApr 13, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3198 SANIBEL DR, HERNANDO BEACH, FL 34607-2856

Transferred To (Grantee/Buyer)

NameVerified Name
Address11862 SW 169TH ST, MIAMI, FL 33177-2152

December 2024: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateDec 26, 2024
Property Address3198 SANIBEL DR, HERNANDO BEACH, FL 34607-2856
Document Number0045041980
Book / Page4504 / 1980
Map ReferenceMB 6 PG 95A-95C
Instrument DateDec 13, 2024
Instrument2024079303
Transaction TypeConstruction Loan
Record UpdatedApr 13, 2026
Title CompanySOUTHEAST TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14263 ANNUTALAGA AVE, BROOKSVILLE, FL 34601-8403

Transferred To (Grantee/Buyer)

NameVerified Name
Address11862 SW 169TH ST, MIAMI, FL 33177-2152

Mortgage

Document Number0000045051
DateDec 26, 2024
Instrument4505/1
Lender
NameKIAVI FUNDING INC
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3198 Sanibel Dr was $7,902.

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,902.00$483,796 Land $445,001 Building $38,795$483,796 Land $445,001 Building $38,795
2023$370,588 Land $94,246 Building $276,342
2022$4,951.00$752,273 Land $445,001 Building $307,272

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

Flood

FEMA maps place 3198 Sanibel 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 412 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies412 in force
Nearby Flood Claims1,071 (1979–2024)
Claims Outside the SFHA6 of 1,071
Most Recent ClaimOct 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

Wildfire risk around 3198 Sanibel Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 24 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

Nearby Properties on Sanibel Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures