3331 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3331 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,020 sqft · built 1983
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Jul 2017)
Tax Bill	$2,717 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1900-0000-0540`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0540`
Alternative APNs	`00155771` `155771`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	2,020 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Porch	Porch
Porch Area	260 sqft
Deck Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155771
Street Address	3331 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 2 LOT 54
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	54
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2033
Census Tract	41501

Owner

Source: Hernando County records, as of December 8, 2025

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	3331 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT LNDG SVCS
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT LNDG SVCS
Jul 11, 2017	Warranty Deed, Transfer · Conventional Mortgage ACM REALTY GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Deed Document Number	201739216
Deed Book / Page	3486 / 1983
Prior Transfer Date	Sep 24, 2012
Prior Transfer Doc	0029470879
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3331 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0038231085
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3331 GULF WINDS CIR HERNANDO BEACH FL 346073027, HERNANDO BEACH, FL 34607-3027

Mortgage

Document Number	0038231085
Date	Mar 27, 2020
Book Page	003823/001085
Instrument	20261

Lender

Name	PATRIOT LNDG SVCS
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3331 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0037730137
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3331 GULF WINDS CIR HERNANDO BEACH FL 346073027, HERNANDO BEACH, FL 34607-3027

Mortgage

Document Number	0037730137
Date	Nov 13, 2019
Book Page	003773/000137
Instrument	71598

Lender

Name	PATRIOT LNDG SVCS
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 11, 2017
Property Address	3331 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0034861983
Book / Page	003486 / 001983
Instrument Date	Jul 6, 2017
Instrument	39216
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,813.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3331 GULF WINDS CIR HERNANDO BEACH FL 346073027, HERNANDO BEACH, FL 34607-3027

Mortgage

Document Number	34861985
Date	Jul 11, 2017
Book Page	003486/001985
Instrument	39217

Lender

Name	ACM REALTY GROUP INC
Address	4934 W BAY WAY PL, TAMPA, FL 33629-4834

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jul 10, 2019

Interest

Rate Type	Fixed Rate
Rate	7.5%

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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	$2,717.00 (+22%) Homeowner's exemption	$197,399 (+5.99%)	$396,772 (-2.58%) Land $223,300 Building $173,472
2023		$186,249 Land $9,351 Building $176,898
2022	$2,227.00		$407,285 Land $223,300 Building $183,985

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

Flood

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 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

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

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

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