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3232 Gulf Coast Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3232 Gulf Coast Dr, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,580 sqft · built 1989
Lot Size0.208 acres (9,045 sqft)
Owner2 Individual Names on File
Last Sale$361,000 (Aug 2016)
Tax Bill$5,031 (2025)
Deeds & MortgagesFeb 2023 Transfer
Sep 2022 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APNR12-223-16-2310-0920-0350

Property Details

APN / Parcel Number

Primary APNR12-223-16-2310-0920-0350
Alternative APNs
  • 00164191
  • 164191

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms6 Rooms
Stories3 Stories
Building Area1,580 sqft Living Area
Gross Area2,940 sqft
1st Floor Area1,184 sqft
Upper Floors Area396 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2004
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,045 sqft (0.208 acres)
Garage TypeAttached
Garage Area512 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchEnclosed Porch
Porch Area1,536 sqft
Patio Area224 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00164191
Street Address3232 GULF COAST DR
CityHERNANDO BEACH
StateFL
Zip34607-3013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 7 BLK 92 LOT 35 ORB 290 PG 739
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionHERNANDO BEACH UNIT 7
Legal Block92
Legal Lot Number35
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2030
Census Tract41501

Owner

3232 Gulf Coast Dr is owned by two individuals who acquired it in November 2022.

Source: Hernando County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address3515 BAKER FORD RD, PLATTEVILLE, WI 53818-9657
Owner TypeIndividual
VestingHusband and Wife

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
Feb 17, 2023Intrafamily Transfer, Transfer
AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION
Sep 12, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Mar 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 30, 2016 · Amount on File
Deed SaleAug 30, 2016 · Amount on File
Prior SaleAug 11, 2014 · Amount on File
Deed Document Number201648231
Deed Book / Page3391 / 243
Last Transfer DateNov 1, 2022
Transfer Doc0042681027
Record UpdatedSep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateFeb 17, 2023
Property Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013
Document Number0042681027
Book / Page4268 / 1027
Map ReferenceMB 7 PG 45
Instrument DateNov 1, 2022
Instrument2023009881
Transaction TypeTransfer
Record UpdatedMar 20, 2023
Title CompanyAMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013

Transferred To (Grantee/Buyer)

NameVerified Name
Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateSep 12, 2022
Property Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013
Document Number0042181011
Book / Page4218 / 1011
Map ReferenceMB 7 PG 45
Instrument DateSep 2, 2022
Instrument2022067979
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyAMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3232 GULF COAST DR, 3232, HERNANDO BEACH, FL 34607-3013

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013

Mortgage

Document Number0004219550
DateSep 12, 2022
Instrument4219/550
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2052

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013
Transaction TypeMortgage
Record UpdatedJul 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013

Mortgage

Document Number0039731757
DateMar 30, 2021
Book Page3973/1757
Instrument2021021927
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3232 Gulf Coast Dr was $5,031.

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$5,031.00$359,512$633,271 Land $307,101 Building $326,170
2023$339,204 (+3%) Land $339,204
2022$4,550.00 Homeowner's exemption$329,324$625,101 Land $240,168 Building $384,933

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

Flood

FEMA maps place 3232 Gulf Coast 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 3232 Gulf Coast Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

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 215 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

May also be available: Verizon.

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