3404 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3404 Gulf Winds Cir, Hernando Beach, FL 34607 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2009
Square Footage	3,581 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$500,000 (2014)
Tax Bill	$6,499.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2020-0790-0010`
Alternative APNs	`00161880` `161880`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Building Area	3,581 sqft Living Area
1st Floor	1,813 sqft 1st Floor
Upper Floors	1,768 sqft Upper Floors
Stories	3 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	6 Parking Spaces
Garage Area	1,768 sqft Garage

Exterior Amenities

Pool Area	504 sqft Pool
Deck Area	720 sqft Deck
Patio Area	81 sqft Patio
Porch	1 Porch
Porch Area	64 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00161880
Street Address	3404 GULF WINDS CIR
City	HERNANDO BEACH
State	FL
Zip	34607-3028
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 6 BLK 79 LOT 1
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 6
Legal Block	79
Legal Lot Number	1
Legal Unit	6
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	2
Census Block	2033
Census Tract	41501

Owner

Source: Hernando County records · APN R12-223-16-2020-0790-0010

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	3404 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2014 · Amount on Record
Deed Sale	Nov 19, 2014 · Amount on Record
Prior Sale	Jun 22, 2001 · Amount on Record
Deed Doc Number	2014061550
Deed Book / Page	3144 / 1279
Record Refreshed	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3404 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035951280
Date	Jun 20, 2018
Book Page	3595/1280
Instrument	2018037865

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,499.00 (+0.17%) Additional exemption filed	$494,713 (+5.99%)	$956,277 (-0.34%) Land $302,030 Building $654,247
2023		$466,768 Land $466,768
2022	$6,488.00		$959,544 Land $246,530 Building $713,014

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.