3299 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3299 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,239 sqft · built 1981
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$455,000 (May 2025)
Tax Bill	$5,091 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2023 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1900-0000-0490`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0490`
Alternative APNs	`00155726` `155726`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,239 sqft Living Area
1st Floor Area	1,224 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Porch	Finished/Screened Porch
Porch Area	280 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155726
Street Address	3299 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 2 LOT 49
Legal Range	16E
Legal Township	23S
Legal Section	11
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	49
Legal Unit	2
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2033
Census Tract	41501

Owner

3299 Gulf Winds Cir is owned by a company that bought it in May 2025.

Source: Hernando County records, as of December 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	7122 PELICAN ISLAND DR, TAMPA, FL 33634-7463
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit BRANNEN BANK
Apr 19, 2023	Warranty Deed, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT
Feb 15, 2022	Warranty Deed, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Apr 19, 2023 · Amount on File
Deed Document Number	2025032935
Deed Book / Page	4558 / 1600
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3299 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3025
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7122 PELICAN ISLAND DR, TAMPA, FL 33634-7463

Mortgage

Document Number	0046251112
Date	Oct 23, 2025
Book Page	4625/1112
Instrument	2025073684

Lender

Name	BRANNEN BANK
Type	Bank
Address	INVERNESS, FL 34451

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 20, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 19, 2023
Property Address	3299 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3025
Document Number	0042861927
Book / Page	4286 / 1927
Map Reference	MB 6 PG 89A-89B
Instrument Date	Apr 12, 2023
Instrument	2023021913
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Amount	Amount on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3047 LENOX RD NE APT 1203, 1203, ATLANTA, GA 30324-6019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9064 MISSISSIPPI RUN, WEEKI WACHEE, FL 34613-4219

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 15, 2022
Property Address	3299 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3025
Document Number	0041271640
Book / Page	4127 / 1640
Map Reference	MB 6 PG 89A&89B
Instrument Date	Feb 7, 2022
Instrument	2022012161
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Amount	Amount on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32437 5 MILE RD, 32437, LIVONIA, MI 48154-3039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3047 LENOX RD NE APT 1203, 1203, ATLANTA, GA 30324-6019

Tax Assessment & Valuation

The 2025 property tax bill for 3299 Gulf Winds Cir was $5,091.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,091.00	$356,679 Land $223,300 Building $133,379	$356,679 Land $223,300 Building $133,379
2023		$333,208 Land $234,326 Building $98,882
2022	$5,060.00		$333,208 Land $223,300 Building $109,908

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

Flood

FEMA maps place 3299 Gulf Winds Cir 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

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 3299 Gulf Winds Cir is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.

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.

Drinking Water

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

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, 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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gulf Winds Cir

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