Hernando County property record for 3409 Gulf Winds Cir, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,107 sqft · built 1972 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $650,000 (Jun 2026) |
| Tax Bill | $7,553 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Mar 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R12-223-16-2020-0790-0070 |
| Primary APN | R12-223-16-2020-0790-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,107 sqft Living Area |
| Gross Area | 2,798 sqft |
| 1st Floor Area | 2,107 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,000 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 288 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 1,363 sqft |
| Deck Area | 762 sqft |
| Patio Area | 27 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00161942 |
|---|---|
| Street Address | 3409 GULF WINDS CIR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 6 BLK 79 LOT 7 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 6 |
| Legal Block | 79 |
| Legal Lot Number | 7 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 41501 |
Source: Hernando County records, as of June 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1850 COUNTY ROAD 216A, OXFORD, FL 34484-3917 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 4, 2026 | Warranty Deed, Transfer SOUTHEAST TITLE |
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2026 · Amount on Record |
| Deed Sale | Jun 4, 2026 · Amount on Record |
| Prior Sale | Sep 3, 2014 · Amount on Record |
| Deed Document Number | 202637871 |
| Deed Book / Page | 4718 / 1060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 4, 2026 |
| Property Address | 3409 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3029 |
| Document Number | 0000037871 |
| Book / Page | 4718 / 1060 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202637871 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | SOUTHEAST TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $459,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1850 COUNTY ROAD 216A, OXFORD, FL 34484-3917 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3409 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3029 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2248 DANIEL ISLAND DR, DANIEL ISLAND, SC 29492-7949 |
| Document Number | 0039720625 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 3972/625 |
| Instrument | 2021020938 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,553.00 (+9.8%) | $464,914 (+21%) | $537,331 (-2.12%) Land $341,920 Building $195,411 |
| 2023 | $384,226 Land $204,813 Building $179,413 | ||
| 2022 | $6,879.00 | $548,966 Land $341,920 Building $207,046 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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.
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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