3355 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3355 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,031 sqft · built 1981
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$586,500 (Apr 2025)
Tax Bill	$3,790 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Mar 2018 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1900-0000-0570`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1900-0000-0570`
Alternative APNs	`00155806` `155806`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,031 sqft Living Area
Gross Area	2,624 sqft
1st Floor Area	2,031 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	575 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Patio Area	210 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00155806
Street Address	3355 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 57 ORB 284 PG 272
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 2
Legal Lot Number	57
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	2 Individual Names on Record
Mailing Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Mar 6, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Sep 14, 2017	Warranty Deed, Transfer · Conventional Mortgage EVANS LLOYD TRUST (PT)
Apr 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	202527608
Deed Book / Page	4549 / 1855
Prior Transfer Date	Apr 9, 2013
Prior Transfer Doc	0034620061
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 25, 2025
Property Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0045491855
Book / Page	4549 / 1855
Map Reference	MB 6 PG 89A&89B
Instrument Date	Apr 7, 2025
Instrument	2025027608
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,105.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9155 BULLRUSH CT, NEW PORT RICHEY, FL 34654-4204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027

Mortgage

Document Number	0045491857
Date	Apr 25, 2025
Instrument	4549/1857

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2040

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 6, 2018
Property Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0035590636
Book / Page	003559 / 000636
Instrument Date	Feb 28, 2018
Instrument	13253
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26314 PLEASANT KNOLL LN CYPRESS TX 774332852, CYPRESS, TX 77433-2852

Mortgage

Document Number	35590638
Date	Mar 6, 2018
Book Page	003559/000638
Instrument	13254

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 14, 2017
Property Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0035060853
Book / Page	003506 / 000853
Instrument Date	Aug 4, 2017
Instrument	51789
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3355 GULF WINDS CIR HERNANDO BEACH FL 346073027, HERNANDO BEACH, FL 34607-3027

Mortgage

Document Number	35060854
Date	Sep 14, 2017
Book Page	003506/000854
Instrument	51790

Lender

Name	EVANS LLOYD TRUST (PT)
Address	10627 LAKE LOUISA RD, CLERMONT, FL 34711-9104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 13, 2020

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 20, 2017
Property Address	3355 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0034620061
Book / Page	003462 / 000061
Instrument Date	Apr 9, 2013
Instrument	22433
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	10627 LAKE LOUISA RD CLERMONT FL 347119104, CLERMONT, FL 34711-9104

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	$3,790.00 (-47.1%)	$297,016 (-41.91%) Land $276,710 Building $20,306	$297,016 (-41.91%) Land $276,710 Building $20,306
2023		$511,300 Land $288,389 Building $222,911
2022	$7,164.00		$511,300 Land $276,710 Building $234,590

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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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.

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