Hernando County property record for 3232 Rose Arbor Dr, Hernando Beach, FL 34607
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Company Name on Record |
| Last Sale | $38,000 (Jan 2026) |
| Tax Bill | $760 (2025) |
| Deeds & Mortgages | Jan 2026 Sale Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | R13-223-16-2390-1290-0160 |
| Primary APN | R13-223-16-2390-1290-0160 |
|---|---|
| Alternative APNs |
|
| Lot Area | 4,356 sqft (0.1 acres) |
|---|
| Account Number | 00169551 |
|---|---|
| Street Address | 3232 ROSE ARBOR DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3427 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | HERNANDO BEACH UNIT 14 BLK 129 LOT 16 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 13 |
| Legal Subdivision | HERNANDO BEACH UNIT 14 |
| Legal Block | 129 |
| Legal Lot Number | 16 |
| Legal Unit | 14 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41501 |
Source: Hernando County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3910 BIGARADE LN, LAKE ALFRED, FL 33850-7135 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jan 12, 2026 | Warranty Deed, Transfer EXPRESS TITLE, EXPRESS TITLE & CLOSING SVCS |
| Aug 16, 2022 | Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU |
| Dec 10, 2018 | Warranty Deed, Transfer SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Aug 16, 2022 · Amount on Record |
| Deed Document Number | 2026001999 |
| Deed Book / Page | 4656 / 1099 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jan 12, 2026 |
| Property Address | 3232 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3427 |
| Document Number | 0046561099 |
| Book / Page | 4656 / 1099 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 2026001999 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | EXPRESS TITLE, EXPRESS TITLE & CLOSING SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $266.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 504 COVINGTON PARK ST, SEFFNER, FL 33584-4027 |
| Name | Verified Name |
|---|---|
| Address | 3910 BIGARAFDE LN, LAKE ALFRED, FL 33850-7135 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 3232 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3427 |
| Document Number | 0042090565 |
| Book / Page | 4209 / 565 |
| Map Reference | MB 11 PG 60 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 2022062343 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3244 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3427 |
| Name | Verified Name |
|---|---|
| Address | 504 COVINGTON PARK ST, SEFFNER, FL 33584-4027 |
| Investor | Possibly a Property Investor |
| Document Number | 0042090566 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 4209/0566 |
| Name | MCU FINANCIAL CENTER CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Dec 10, 2018 |
| Property Address | 3232 ROSE ARBOR DR, HERNANDO BEACH, FL 34607-3427 |
| Document Number | 0036500863 |
| Book / Page | 003650 / 000863 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 73664 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3244 ROSE ARBOR DR HERNANDO BEACH FL 346073427, HERNANDO BEACH, FL 34607-3427 |
Source: Hernando County assessment roll, as of October 31, 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 | $760.00 (-2.31%) | $53,250 (+3.9%) Land $53,250 | $53,250 (+3.9%) Land $53,250 |
| 2023 | $51,250 (+23.2%) | ||
| 2022 | $778.00 | $41,600 Land $41,600 | $51,250 Land $51,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 357 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 357 in force |
| Nearby Flood Claims | 602 (1983–2024) |
| 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.
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 | 0.05% annual chance |
| Exposure | Indirect within 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 200 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 |
| Verizon Fixed Wireless | 300 / 20 |
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