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3412 Shoal Line Blvd, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3412 Shoal Line Blvd, Hernando Beach, FL 34607

Property Summary

Property TypeBar, Tavern
Details3 ba · 3,320 sqft · built 1977
Lot Size0.196 acres (8,520 sqft)
Owner2 Individual Names on Record
Last Sale$325,000 (Jan 2019)
Tax Bill$3,842 (2025)
Deeds & MortgagesDec 2023 Mortgage
Jan 2019 Sale & Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APNR12-223-16-2050-1010-0050

Property Details

APN / Parcel Number

Primary APNR12-223-16-2050-1010-0050
Alternative APNs
  • 00162219
  • 162219

Interior

Full Baths3 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms1 Room
Stories1 Story
Building Area3,320 sqft Gross Area
1st Floor Area2,280 sqft
Basement Area920 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1990
Exterior MaterialCombination
Construction TypeConcrete Block
Fire ResistanceMasonry Walls, Wood Interior
Roof TypeWood Truss
Roof MaterialBuilt-Up Asphalt
Lot Area8,520 sqft (0.196 acres)
Lot Dimensions142 ft deep x 60 ft wide

Exterior Amenities

PorchOpen Porch
Porch Area336 sqft
Patio Area288 sqft
Canopy264 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00162219
Street Address3412 SHOAL LINE BLVD
CityHERNANDO BEACH
StateFL
Zip34607-3439
Property CategoryCommercial
Property TypeCommercial > Retail > Bar, Tavern
Legal DescriptionGULF COAST RET UNIT 8 BLK 101 LOT 5
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 8
Legal Block101
Legal Lot Number5
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group1
Census Block1002
Census Tract41502

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 Record2 Individual Names on Record
Mailing Address3412 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3439
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 1, 2023Deed of Trust, Mortgage
ROCHE SURETY AND CASUALTY CO INC
Jan 24, 2019Warranty Deed, Transfer · Conventional with PMI
SPEAKMAN JEANNIE C L/TR (RT)
Sep 20, 2018Grant Deed, Transfer
ATTORNEY ONLY
Aug 15, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2019 · Amount on Record
Deed SaleJan 24, 2019 · Amount on Record
Deed Document Number20194751
Deed Book / Page3664 / 360
Last Transfer DateAug 7, 2025
Transfer Doc0045960349
Record UpdatedJun 8, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3412 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3439
Transaction TypeMortgage
Record UpdatedDec 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3472 SHORELINE BIND, HERNANDO BCH, FL 34607

Mortgage

Document Number0043690696
DateDec 1, 2023
Book Page4369/696
Instrument2023075794
Lender
NameROCHE SURETY AND CASUALTY CO INC
TypeNon-Lending Institution
AddressTAMPA, FL 33607
Agreement
AmountAmount Recorded
Interest
Rate10%

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJan 24, 2019
Property Address3412 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3439
Document Number0036640360
Book / Page003664 / 000360
Instrument DateJan 23, 2019
Instrument4751
Transaction TypeTransfer
Record UpdatedMar 4, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4482 KINGSTON DR HERNANDO BEACH FL 346072936, HERNANDO BEACH, FL 34607-2936

Mortgage

Document Number36640362
DateJan 24, 2019
Book Page003664/000362
Instrument4752
Lender
NameSPEAKMAN JEANNIE C L/TR (RT)
Address3273 GULF COAST DR, HERNANDO BEACH, FL 34607-3014
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term60 Months
DueJan 23, 2024

September 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionHERNANDO FL
Recording DateSep 20, 2018
Property Address3412 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3439
Document Number0036251177
Book / Page003625 / 001177
Instrument DateSep 10, 2018
Instrument57558
Transaction TypeTransfer
Record UpdatedOct 24, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3273 GULF COAST DR HERNANDO BEACH FL 346073014, HERNANDO BEACH, FL 34607-3014

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHERNANDO FL
Recording DateAug 15, 2018
Property Address3412 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3439
Document Number0036130800
Book / Page003613 / 000800
Instrument DateAug 3, 2018
Instrument49286
Transaction TypeTransfer
Record UpdatedSep 14, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3273 GULF COAST DR HERNANDO BEACH FL 346073014, HERNANDO BEACH, FL 34607-3014

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$3,842.00 (+30.77%)$208,659 (+11.51%) Land $69,318 Building $139,341$208,659 (+3.07%) Land $69,318 Building $139,341
2023$187,116 Land $66,163 Building $120,953
2022$2,938.00$202,436 Land $69,318 Building $133,118

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 Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 51 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies51 in force
Nearby Flood Claims52 (1983–2024)
Claims Outside the SFHA7 of 52
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Helene, Sep 2024 · 9 claims
  • Hurricane Idalia, Aug 2023 · 7 claims
  • Hurricane Hermine, Sep 2016 · 5 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 RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 97 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 / 50
Verizon
Fixed Wireless		300 / 20

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