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3428 Gulf Winds Cir, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3428 Gulf Winds Cir, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,001 sqft · built 1983
Lot Size0.28 acres (12,205 sqft)
Owner2 Company Names on File
Tax Bill$3,234 (2025)
Deeds & MortgagesApr 2024 Transfer
Aug 2023 Transfer
Flood ZoneZone AE (high risk)
APNR12-223-16-2020-0790-0040

Property Details

APN / Parcel Number

Primary APNR12-223-16-2020-0790-0040
Alternative APNs
  • 00161915
  • 161915

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area3,001 sqft Living Area
Gross Area3,811 sqft
1st Floor Area2,161 sqft
Upper Floors Area840 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1988
Exterior MaterialOther
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,205 sqft (0.28 acres)
Garage TypeAttached
Garage Area575 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area235 sqft
Deck Area204 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00161915
Street Address3428 GULF WINDS CIR
CityHERNANDO BEACH
StateFL
Zip34607-3028
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 6 BLK 79 LOT 4
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 6
Legal Block79
Legal Lot Number4
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2033
Census Tract41501

Owner

3428 Gulf Winds Cir is owned by a company that acquired it in April 2024.

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

Owner of Record2 Company Names on File
Mailing Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Owner TypeCompany
VestingLife Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 17, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 31, 2023Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateApr 10, 2024
Transfer Doc0044100191
Record UpdatedJun 8, 2026

April 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateApr 17, 2024
Property Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Document Number0044100191
Book / Page4410 / 191
Map ReferenceMB 7 PG 14
Instrument DateApr 10, 2024
Instrument2024020946
Transaction TypeTransfer
Record UpdatedMay 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028

August 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHERNANDO FL
Recording DateAug 31, 2023
Property Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028
Document Number0043360420
Book / Page4336 / 420
Map ReferenceMB 7 PG 14-17
Instrument DateAug 28, 2023
Instrument2023054279
Transaction TypeTransfer
Record UpdatedSep 19, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3176 SHOAL LINE BLVD, HERNANDO BEACH, FL 34607-3433

Transferred To (Grantee/Buyer)

NameVerified Name
Address3428 GULF WINDS CIR, HERNANDO BEACH, FL 34607-3028

Tax Assessment & Valuation

The 2025 property tax bill for 3428 Gulf Winds Cir was $3,234.

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$3,234.00$238,621$745,298 Land $407,134 Building $338,164
2023$225,142 (+3%) Land $225,142
2022$2,742.00 Homeowner's exemption$218,584$724,876 Land $320,478 Building $404,398

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3428 Gulf Winds Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 3428 Gulf Winds Cir is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within 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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