Hernando County property record for 3204 Gardenia Dr, Hernando Beach, FL 34607 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,424 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $765,000 (2024) |
| Tax Bill | $8,341.00 (2025) |
| Primary APN | R13-223-16-2350-1120-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Building Area | 2,424 sqft Living Area |
| 1st Floor | 1,734 sqft 1st Floor |
| Upper Floors | 660 sqft Upper Floors |
| Stories | 3 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 7 Parking Spaces |
| Garage Area | 1,938 sqft Garage |
| Pool Area | 170 sqft Pool |
|---|---|
| Patio Area | 24 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 204 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00169329 |
|---|---|
| Street Address | 3204 GARDENIA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3505 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 12 BLOCK 112 LOT 21 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 13 |
| Legal Subdivision | HERNANDO BEACH UNIT 12 |
| Legal Block | 112 |
| Legal Lot Number | 21 |
| 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 R13-223-16-2350-1120-0210
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 | 3204 GARDENIA DR, HERNANDO BEACH, FL 34607-3505 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 13, 2024 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Oct 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 13, 2024 · Amount on Record |
| Deed Sale | Apr 13, 2024 · Amount on Record |
| Prior Sale | Oct 21, 2020 · Amount on Record |
| Deed Doc Number | 2024020020 |
| Deed Book / Page | 4408 / 890 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 13, 2024 |
| Property Address | 3204 GARDENIA DR, HERNANDO BEACH, FL 34607-3505 |
| Document Number | 0044080890 |
| Book / Page | 4408 / 890 |
| Map Reference | MB 9 PG 16 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 2024020020 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2024 |
| Title Company | ARROW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,355.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 202 E VERMILYA AVE, BLOOMINGTON, IN 47401-6514 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3204 GARDENIA DR, HERNANDO BEACH, FL 34607-3505 |
| Investor | Possibly a Property Investor |
| Document Number | 0044080892 |
|---|---|
| Date | Apr 13, 2024 |
| Book Page | 4408/892 |
| Instrument | 2024020021 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 3204 GARDENIA DR, HERNANDO BEACH, FL 34607-3505 |
| Document Number | 0039021556 |
| Book / Page | 3902 / 1556 |
| Map Reference | MB 9 PG 16&16A |
| Instrument Date | Aug 03, 2020 |
| Instrument | 2020065840 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2021 |
| Title Company | MODUS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,506.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5245 LYDIA CT, 5245, SPRING HILL, FL 34608-2631 |
| Name | Verified Name |
|---|---|
| Address | 3204 GARDENIA DR, HERNANDO BEACH, FL 34607-3505 |
| Document Number | 39021558 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 3902/1558 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2050 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,341.00 (+59.12%) | $584,337 (+51.88%) Land $120,450 Building $463,887 | $584,337 (+14.96%) Land $120,450 Building $463,887 |
| 2023 | $384,743 (+4.96%) Land $2,279 Building $382,464 | ||
| 2022 | $5,242.00 Homeowner's exemption | $366,566 | $508,277 Land $103,200 Building $405,077 |
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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