3236 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3236 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,816 sqft · built 2010
Lot Size	0.255 acres (11,093 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Oct 2003)
Tax Bill	$11,052 (2025)
Deeds & Mortgages	Sep 2018 Mortgage
Flood Zone	Zone VE (high risk)
APN	`R12-223-16-1900-0000-0020`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0020`
Alternative APNs	`00155316` `155316`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	4,816 sqft Living Area
Gross Area	8,594 sqft
1st Floor Area	2,620 sqft
Upper Floors Area	2,196 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Mansard
Roof Material	Concrete
Lot Area	11,093 sqft (0.255 acres)
Garage Type	Attached
Garage Area	2,572 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	1,206 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155316
Street Address	3236 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 LOT 2 ORB 327 PG 431
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2033
Census Tract	41501

Owner

Source: Hernando County records · APN R12-223-16-1900-0000-0020

Assessment roll updated December 8, 2025 · Last verified August 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	3236 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2003 · Amount on Record
Deed Sale	Oct 17, 2003 · Amount on Record
Deed Book / Page	1743 / 1894
Prior Transfer Date	Aug 07, 1999
Prior Transfer Doc	1298001975
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3236 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3024
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036251691
Date	Sep 21, 2018
Book Page	3625/1691
Instrument	2018057766

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35211

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Dec 28, 2047

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified August 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	$11,052.00 (+4.32%) Homeowner's exemption	$781,263 (+5.99%)	$1,662,942 (-2.11%) Land $534,200 Building $1,128,742
2023		$737,131 Land $737,131
2022	$10,594.00		$1,698,734 Land $534,200 Building $1,164,534

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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	Hurricane Helene, Sep 2024 · 342 claims Hurricane Idalia, Sep 2023 · 115 claims Tropical Storm Josephine, Oct 1996 · 84 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 215 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.