3203 Gardenia Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3203 Gardenia 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 1998
Square Footage	1,367 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$115,000 (2012)
Tax Bill	$1,764.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2350-1120-0260`
Alternative APNs	`00169365` `169365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	1,367 sqft Living Area
Gross Area	2,248 sqft Gross Area
1st Floor	1,367 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Combination, Other Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1998
Exterior Material	Combination Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,500 sqft (0.172 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Patio Area	63 sqft Patio
Porch	Enclosed Porch
Porch Area	440 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00169365
Street Address	3203 GARDENIA DR
City	HERNANDO BEACH
State	FL
Zip	34607-3506
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 12 BLOCK 112 LOT 26
Legal Range	16E
Legal Township	23S
Legal Section	13
Legal Subdivision	HERNANDO BEACH UNIT 12
Legal Block	112
Legal Lot Number	26
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1032
Census Tract	41501

Owner

Source: Hernando County records · APN R13-223-16-2350-1120-0260

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	2 Individual Names on File
Mailing Address	3203 GARDENIA DR, HERNANDO BEACH, FL 34607-3506
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 06, 2012 · Amount on Record
Deed Sale	Jul 06, 2012 · Amount on Record
Prior Sale	Oct 26, 2005
Deed Doc Number	201237819
Deed Book / Page	2918 / 845
Last Transfer Date	Jul 17, 2025
Transfer Doc	0045870620
Record Refreshed	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3203 GARDENIA DR, HERNANDO BEACH, FL 34607-3506
Document Number	0037960246
Instrument Date	Jan 09, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3203 GARDENIA DR HERNANDO BEACH FL 346073506, HERNANDO BEACH, FL 34607-3506

Mortgage

Document Number	0037960246
Date	Jan 15, 2020
Book Page	003796/000246
Instrument	3126

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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	$1,764.00 (+45.19%)	$128,191 (+7.18%)	$311,248 (+15.48%) Land $115,725 Building $195,523
2023		$119,608 (+3%) Land $119,608
2022	$1,215.00 Homeowner's exemption	$116,124	$269,520 Land $99,225 Building $170,295

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	13.0 ft
Coastal	Yes

Wildfire

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.