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3351 Fernleaf Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3351 Fernleaf Dr, Hernando Beach, FL 34607

Property Summary

Property TypeResidential Vacant Land
Lot Size0.115 acres (5,000 sqft)
OwnerCompany Name on Record
Last Sale$530,000 (Dec 2025)
Tax Bill$1,008 (2025)
Deeds & MortgagesAug 2022 Construction Loan
May 2025 Mortgage
+ 7 more
Flood ZoneZone AE (high risk)
APNR13-223-16-2390-1320-0320

Property Details

APN / Parcel Number

Primary APNR13-223-16-2390-1320-0320
Alternative APNs
  • 00655133
  • 655133

Exterior

Lot Area5,000 sqft (0.115 acres)

Location & Zoning

Account Number00655133
Street Address3351 FERNLEAF DR
CityHERNANDO BEACH
StateFL
Zip34607-3408
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionHERNANDO BEACH UNIT 14 BLK 132 LOT 32 ORB 449 PG 555
Legal Range16E
Legal Township23S
Legal Section13
Legal SubdivisionHERNANDO BEACH UNIT 14
Legal Block132
Legal Lot Number32
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group1
Census Block1036
Census Tract41501

Owner

Source: Hernando County records, as of August 12, 2026

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

Owner of RecordCompany Name on Record
Mailing Address172 DISHONG DR, BEDFORD, PA 15522-1644
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2022Deed of Trust, Mortgage · Construction Mortgage
VALLEY BANK
May 14, 2025Deed of Trust, Mortgage · Commercial Mortgage
VELOCITY COMMERCIAL CAPITAL LLC
Dec 22, 2025Warranty Deed, Transfer · Conventional Mortgage
NOVUS HOME MORTGAGE
Dec 15, 2023Intrafamily Transfer, Transfer · Construction Mortgage
RBI MORTGAGES LLC
Jun 23, 2023Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 26, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 8, 2021Warranty Deed, Transfer
SOUTHEAST TITLE/THE SUNCOAST, SOUTHEAST TITLE OF SUNCOAST
Sep 1, 2020Warranty Deed, Transfer
WRIGHT TITLE AND ESCROW INC, WRIGHT TITLE & ESCROW INC
Jul 17, 2020Warranty Deed, Transfer
SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 22, 2025 · Amount on Record
Deed SaleDec 22, 2025 · Amount on Record
Prior SaleApr 8, 2021 · Amount on Record
Deed Document Number202587528
Deed Book / Page4649 / 157
Prior Transfer DateMay 25, 2006
Prior Transfer Doc0022650131
Record UpdatedOct 29, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Transaction TypeMortgage
Record UpdatedJan 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address11744 WALKER AVE, SEMINOLE, FL 33772-7125

Mortgage

Document Number0042100445
DateAug 18, 2022
Book Page4210/445
Instrument2022062924
Lender
NameVALLEY BANK
TypeBank
AddressWAYNE, NJ 07470
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateSep 1, 2032
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change9.75%
Index1-Year CMT
Max Rate9.75%

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Transaction TypeMortgage
Record UpdatedJan 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address9908 ALBYAR AVE, RIVERVIEW, FL 33578-5001

Mortgage

Document Number0045600586
DateMay 14, 2025
Book Page4560/586
Instrument2025033833
Lender
NameVELOCITY COMMERCIAL CAPITAL LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateDec 22, 2025
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0046490157
Book / Page4649 / 157
Map ReferenceMB 11 PG 60
Instrument DateDec 19, 2025
Instrument2025087528
Transaction TypeTransfer
Record UpdatedJan 14, 2026
Title CompanySOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,710.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1326 HATCHER LOOP DR, BRANDON, FL 33511-9370

Transferred To (Grantee/Buyer)

NameVerified Name
Address172 DISCHONG DIRVE, BEDFORD, PA 15522-1644

Mortgage

Document Number0004649161
DateDec 22, 2025
Instrument4649/161
Lender
NameNOVUS HOME MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2056

December 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateDec 15, 2023
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0043740844
Book / Page4374 / 844
Map ReferenceMB 11 PG 60
Instrument DateDec 12, 2023
Instrument2023079182
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyCOMPASS LAND AND TITLE, COMPASS LAND AND TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address9908 ALBYAR AVE, RIVERVIEW, FL 33578-5001

Transferred To (Grantee/Buyer)

NameVerified Name
Address9908 ALBYAR AVE, RIVERVIEW, FL 33578-5001
InvestorPossibly a Property Investor

Mortgage

Document Number0004374845
DateDec 15, 2023
Instrument4374/845
Lender
NameRBI MORTGAGES LLC
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term13 Months
DueJan 1, 2025

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJun 23, 2023
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0043120911
Book / Page4312 / 911
Map ReferenceMB 11 PG 60
Instrument DateMay 12, 2023
Instrument2023038992
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9908 ALBYAR AVE, RIVERVIEW, FL 33578-5001

Transferred To (Grantee/Buyer)

NameVerified Name
Address9908 ALBYAR AVE, RIVERVIEW, FL 33578-5001

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMay 26, 2021
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0040031293
Book / Page4003 / 1293
Map ReferenceMB 11 PG 60
Instrument DateMay 5, 2021
Instrument2021039209
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address7135 S 58TH STREET, TAMPA, FL 33619

Transferred To (Grantee/Buyer)

NameVerified Name
Address1715 WINDERMERE WAY, TAMPA, FL 33619-5535

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateApr 8, 2021
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0039790038
Book / Page3979 / 38
Map ReferenceMB 11 PG 60
Instrument DateMar 31, 2021
Instrument2021024723
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanySOUTHEAST TITLE/THE SUNCOAST, SOUTHEAST TITLE OF SUNCOAST

Transaction

AmountAmount Recorded
Tax$350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address904 KENNEDY RD, SAINT JOSEPH, TN 38481-5259

Transferred To (Grantee/Buyer)

NameVerified Name
Address7135 S 58TH STREET, TAMPA, FL 33619

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateSep 1, 2020
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0038820882
Book / Page003882 / 000882
Instrument DateJul 21, 2020
Instrument53638
Transaction TypeTransfer
Record UpdatedOct 2, 2020
Title CompanyWRIGHT TITLE AND ESCROW INC, WRIGHT TITLE & ESCROW INC

Transaction

AmountAmount Recorded
Tax$175.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12571 COUNTRY CHARM LN N JACKSONVILLE FL 322255544, JACKSONVILLE, FL 32225-5544

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJul 17, 2020
Property Address3351 FERNLEAF DR, HERNANDO BEACH, FL 34607-3408
Document Number0038640738
Book / Page003864 / 000738
Instrument DateJul 10, 2020
Instrument43329
Transaction TypeTransfer
Record UpdatedAug 28, 2020
Title CompanySOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Transaction

AmountAmount Recorded
Tax$161.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address9287 MICHIGAN AVE WEEKI WACHEE FL 34613, WEEKI WACHEE, FL 34613

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,008.00 (+19.71%)$60,250 (+12.7%) Land $60,250$60,250 (+3.43%) Land $60,250
2023$53,460 (+1%)
2022$842.00$48,600 Land $48,600$58,250 Land $58,250

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 357 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies357 in force
Nearby Flood Claims602 (1983–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Helene, Sep 2024 · 245 claims
  • Hurricane Idalia, Aug 2023 · 46 claims
  • Hurricane Hermine, Sep 2016 · 35 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 RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 97 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
WOW Internet, Cable & Phone
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20

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