3345 Fernleaf Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3345 Fernleaf Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Vacant Land
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Apr 2024)
Tax Bill	$760 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R13-223-16-2390-1320-0330`

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2390-1320-0330`
Alternative APNs	`00655160` `655160`

Exterior

Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Account Number	00655160
Street Address	3345 FERNLEAF DR
City	HERNANDO BEACH
State	FL
Zip	34607-3408
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	HERNANDO BEACH UNIT 14 BLK 132 LOT 33
Legal Range	16E
Legal Township	23S
Legal Section	13
Legal Subdivision	HERNANDO BEACH UNIT 14
Legal Block	132
Legal Lot Number	33
Legal Unit	14
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1036
Census Tract	41501

Owner

Source: Hernando County records · APN R13-223-16-2390-1320-0330

Assessment roll updated October 31, 2025 · Last verified December 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 File
Mailing Address	8739 BAY POINTE DR, TAMPA, FL 33615-4905
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Oct 03, 2005 · Amount on Record
Deed Document Number	2024022144
Deed Book / Page	4412 / 113
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 23, 2024
Property Address	3345 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number	0044120113
Book / Page	4412 / 113
Map Reference	MB 11 PG 60
Instrument Date	Mar 08, 2024
Instrument	2024022144
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	47 W RAMBLER DR, SOUTHAMPTON, PA 18966-2040

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8739 BAY POINTE DR, TAMPA, FL 33615-4905

Mortgage

Document Number	0004412115
Date	Apr 23, 2024
Instrument	4412/115

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2039

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Apr 01, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.75%
Index	1-Year T-Bill
Max Rate	11.7%

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$760.00 (+35.71%)	$53,250 (+100.38%) Land $53,250	$53,250 (+3.9%) Land $53,250
2023		$26,574
2022	$560.00		$51,250 Land $51,250

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 357 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	357 in force
Nearby Flood Claims	602 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 245 claims Hurricane Idalia, Aug 2023 · 46 claims Hurricane Hermine, Sep 2016 · 35 claims

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 / 50
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 97 locations within half a mile of this property.

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.