Hernando County property record for 3224 Gulf Winds Cir, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,554 sqft · built 1999 |
| Lot Size | 0.201 acres (8,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (May 2017) |
| Tax Bill | $10,117 (2025) |
| Flood Zone | Zone VE (high risk) |
| APN | R12-223-16-1900-0000-0040 |
| Primary APN | R12-223-16-1900-0000-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,554 sqft Living Area |
| Gross Area | 5,924 sqft |
| 1st Floor Area | 2,266 sqft |
| Upper Floors Area | 288 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,750 sqft (0.201 acres) |
| Garage Type | Attached |
| Garage Area | 2,266 sqft |
| Parking Spaces | 8 Parking Spaces |
| Pool Area | 480 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 959 sqft |
| Patio Area | 540 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00155334 |
|---|---|
| Street Address | 3224 GULF WINDS CIR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 2 LOTS 3 & 4 ORB 295 PG 8 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 2 |
| Legal Lot Number | 3,4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 41501 |
3224 Gulf Winds Cir is owned and occupied by an individual who bought it in May 2017.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3224 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on File |
| Deed Sale | May 16, 2017 · Amount on File |
| Deed Document Number | 201728062 |
| Deed Book / Page | 3470 / 470 |
| Prior Transfer Date | Oct 5, 2015 |
| Prior Transfer Doc | 0032910558 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3224 Gulf Winds Cir was $10,117 with a homeowner's exemption.
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,117.00 Homeowner's exemption | $715,732 | $1,449,193 Land $888,681 Building $560,512 |
| 2023 | $663,742 Land $156,622 Building $507,120 | ||
| 2022 | $9,479.00 | $1,435,416 Land $888,681 Building $546,735 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3224 Gulf Winds Cir in Zone VE, a high-risk coastal 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 Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 13.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 412 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 412 in force |
| Nearby Flood Claims | 1,071 (1979–2024) |
| Claims Outside the SFHA | 6 of 1,071 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 3224 Gulf Winds Cir is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 18 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.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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