3289 Gardenia Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3289 Gardenia Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2009
Square Footage	2,495 sqft Living Area
Lot Size	7,100 sqft (0.163 acres)
Occupancy	Owner Occupied
Last Sale	$249,500 (2010)
Tax Bill	$4,154.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2350-1120-0330`
Alternative APNs	`00169427` `169427`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	2,495 sqft Living Area
Gross Area	5,660 sqft Gross Area
1st Floor	1,791 sqft 1st Floor
Upper Floors	704 sqft Upper Floors
Stories	3 Stories
Primary Flooring	Combination, Other Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Stucco Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,100 sqft (0.163 acres)
Parking Spaces	6 Parking Spaces
Garage Type	Attached Garage
Garage Area	1,791 sqft Garage
Porch	Open Porch
Porch Area	1,374 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00169427
Street Address	3289 GARDENIA DR
City	HERNANDO BEACH
State	FL
Zip	34607-3506
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 12 BLK 112 LOT 33
Legal Range	16E
Legal Township	23S
Legal Section	13
Legal Subdivision	HERNANDO BEACH UNIT 12
Legal Block	112
Legal Lot Number	33
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1032
Census Tract	41501

Owner

Source: Hernando County records · APN R13-223-16-2350-1120-0330

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	3289 GARDENIA DR, HERNANDO BEACH, FL 34607-3506
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 03, 2010 · Amount on Record
Deed Sale	May 03, 2010 · Amount on Record
Prior Sale	Mar 24, 2010
Deed Doc Number	201023671
Deed Book / Page	2738 / 913
Last Transfer Date	Jun 05, 2024
Transfer Doc	0044410706
Record Refreshed	Jun 08, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3289 GARDENIA DR, HERNANDO BEACH, FL 34607-3506
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	SOUTHEAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035741397
Date	Apr 18, 2018
Book Page	3574/1397
Instrument	2018023469

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 01, 2023
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	1-Year LIBOR
Margin	2
Max Rate	8%

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 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	$4,154.00 (+14.28%)	$295,621 (+5.99%)	$489,180 (+3.37%) Land $100,465 Building $388,715
2023		$278,922 Land $278,922
2022	$3,635.00		$473,245 Land $86,265 Building $386,980

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	About 1 in 526 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.