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3410 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3410 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,591 sqft · built 1975
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Nov 2015)
Tax Bill$3,340 (2025)
Deeds & MortgagesJan 2021 Mortgage
Jan 2020 Line of Credit
Flood ZoneZone AE (high risk)
APNR12-223-16-2020-0790-0020

Property Details

APN / Parcel Number

Primary APNR12-223-16-2020-0790-0020
Alternative APNs
  • 00161899
  • 161899

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,591 sqft Living Area
Gross Area2,348 sqft
1st Floor Area1,591 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2005
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)
Garage TypeAttached
Garage Area374 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area883 sqft
Patio Area84 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00161899
Street Address3410 GULF WINDS CIR
CityHERNANDO BEACH
StateFL
Zip34607-3028
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 6 BLK 79 LOT 2 ORB 338 PG 21
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 6
Legal Block79
Legal Lot Number2
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2033
Census Tract41501

Owner

Source: Hernando County records, as of December 8, 2025

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 Record2 Individual Names on File
Mailing Address3410 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP
Jan 8, 2020Deed of Trust, Mortgage · Line of Credit
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 17, 2015 · Amount on File
Deed SaleNov 17, 2015 · Amount on File
Prior SaleApr 2, 2015 · Amount on File
Deed Document Number201565520
Deed Book / Page3306 / 71
Prior Transfer DateOct 4, 2007
Prior Transfer Doc0025120804
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3410 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Transaction TypeMortgage
Record UpdatedFeb 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3410 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028

Mortgage

Document Number0039420431
DateJan 22, 2021
Book Page3942/431
Instrument2021004487
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueFeb 1, 2036

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3410 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0037930728
DateJan 8, 2020
Book Page3793/0728
Instrument2020001366
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount on Record
Term359 Months
DueDec 20, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$3,340.00 (+19.63%) Homeowner's exemption$240,990 (+7.86%)$477,979 (+7.95%) Land $257,250 Building $220,729
2023$223,428 Land $3,641 Building $219,787
2022$2,792.00$442,795 Land $201,750 Building $241,045

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 412 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies412 in force
Nearby Flood Claims1,071 (1979–2024)
Claims Outside the SFHA6 of 1,071
Most Recent ClaimOct 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 215 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 / 1,000

May also be available: Verizon.

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