Hernando County property record for 3280 Gulf Winds Cir, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,567 sqft · built 2003 |
| Lot Size | 0.181 acres (7,878 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $855,000 (Mar 2026) |
| Tax Bill | $6,062 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Jun 2017 Sale |
| Flood Zone | Zone VE (high risk) |
| APN | R12-223-16-2020-0800-0030 |
| Primary APN | R12-223-16-2020-0800-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,567 sqft Living Area |
| Gross Area | 5,165 sqft |
| 1st Floor Area | 1,945 sqft |
| Upper Floors Area | 632 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,878 sqft (0.181 acres) |
| Garage Type | Attached |
| Garage Area | 1,876 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 674 sqft |
| Utility Building | 96 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00162031 |
|---|---|
| Street Address | 3280 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 6 BLK 80 LOT 3 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 6 |
| Legal Block | 80 |
| Legal Lot Number | 3 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 41501 |
Source: Hernando County records, as of April 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1217 GREENE SQ, KISSIMMEE, FL 34747-4057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Mar 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Jun 6, 2017 | Warranty Deed, Transfer SOUTHEAST TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2026 · Amount on Record |
| Deed Sale | Mar 17, 2026 · Amount on Record |
| Prior Sale | Jun 6, 2017 · Amount on Record |
| Deed Document Number | 202617872 |
| Deed Book / Page | 4683 / 53 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 17, 2026 |
| Property Address | 3280 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3024 |
| Document Number | 0046830053 |
| Book / Page | 4683 / 53 |
| Map Reference | MB 7 PG 14 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 2026017872 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2404 HIDDEN TRAIL DR, SPRING HILL, FL 34606-3265 |
| Name | Verified Name |
|---|---|
| Address | 1217 GREENE SQ, KISSIMMEE, FL 34747-4057 |
| Document Number | 0000468355 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 4683/55 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Apr 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.3% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 6, 2017 |
| Property Address | 3280 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3024 |
| Document Number | 0034751295 |
| Book / Page | 003475 / 001295 |
| Instrument Date | May 25, 2017 |
| Instrument | 31736 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2017 |
| Title Company | SOUTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,325.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3280 GULF WINDS CIR HERNANDO BEACH FL 346073024, HERNANDO BEACH, FL 34607-3024 |
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 | $6,062.00 (+9.4%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $464,107 (+5.99%) | $1,021,860 (+8.23%) Land $449,577 Building $572,283 |
| 2023 | $437,890 Land $437,890 | ||
| 2022 | $5,541.00 | $944,190 Land $350,471 Building $593,719 |
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 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 |
|
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 | 0.04% 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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