3377 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3377 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 2 ba · 1,752 sqft · built 1977
Lot Size	0.329 acres (14,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Apr 2022)
Tax Bill	$9,826 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-2020-0790-0110`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2020-0790-0110`
Alternative APNs	`00161988` `161988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,752 sqft
1st Floor Area	1,752 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Roof Material	Tile
Lot Area	14,346 sqft (0.329 acres)
Garage Area	484 sqft
Porch	Porch
Porch Area	132 sqft
Patio Area	324 sqft

Location & Zoning

Account Number	00161988
Street Address	3377 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3027
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	GULF COAST RET UNIT 6 BLK 79 LOT 11 OR 311 PG 354
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 6
Legal Block	79
Legal Lot Number	11
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 June 4, 2026

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	2 Individual Names on Record
Mailing Address	1076 STATE HIGHWAY M35, BARK RIVER, MI 49807-9770
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Apr 14, 2022	Warranty Deed, Transfer REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC
Mar 11, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage SURETY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2022 · Amount on Record
Deed Sale	Apr 14, 2022 · Amount on Record
Prior Sale	Mar 11, 2022 · Amount on Record
Deed Document Number	202228688
Deed Book / Page	4156 / 917
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	May 19, 2026
Property Address	3377 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0000034148
Book / Page	4711 / 1042
Instrument Date	May 13, 2026
Instrument	202634148
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 STATE HIGHWAY M35, BARK RIVER, MI 49807-9770

Mortgage

Document Number	0000034148,
Date	May 19, 2026
Book Page	4711/1042
Instrument	202634148

Lender

Name	FIRST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Balloon
Rate	6.3%
Initial Type	Balloon
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 14, 2022
Property Address	3377 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0041560917
Book / Page	4156 / 917
Map Reference	MB 7 PG 14
Instrument Date	Apr 6, 2022
Instrument	2022028688
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount Recorded
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11439 W WATERWAY DR, HOMOSASSA, FL 34448-3357

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 STATE HIGHWAY M35, BARK RIVER, MI 49807-9770

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 11, 2022
Property Address	3377 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Document Number	0041391785
Book / Page	4139 / 1785
Map Reference	MB 7 PG 14
Instrument Date	Mar 9, 2022
Instrument	2022019164
Transaction Type	Transfer
Record Updated	Mar 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3915 S ATLANTIC AVE, PORT ORANGE, FL 32127-6501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6479, SPRING HILL, FL 34611-6479

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3377 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034491201
Date	Mar 20, 2017
Book Page	3449/1201
Instrument	2017015148

Lender

Name	SURETY BANK
Type	Bank
Address	DELAND, FL 32720

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Mar 13, 2020

Interest

Rate Type	Adjustable Rate

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	$9,826.00 (-4.91%)	$680,400 (-) Land $676,221 Building $4,179	$680,400 (-) Land $676,221 Building $4,179
2023		$680,400 (+13.2%)
2022	$10,333.00	$601,067 Land $596,888 Building $4,179	$680,400 Land $676,221 Building $4,179

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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