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3431 Palometa Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3431 Palometa Dr, Hernando Beach, FL 34607

Property Summary

Property TypeResidential Vacant Land
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on Record
Last Sale$649,000 (Jun 2026)
Tax Bill$1,194 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Aug 2023 Construction Loan
+ 3 more
Flood ZoneZone AE (high risk)
APNR24-223-16-2370-0140-0060

Property Details

APN / Parcel Number

Primary APNR24-223-16-2370-0140-0060
Alternative APNs
  • 00938436
  • 938436

Exterior

Lot Area7,500 sqft (0.172 acres)

Location & Zoning

Account Number00938436
Street Address3431 PALOMETA DR
CityHERNANDO BEACH
StateFL
Zip34607-3654
Property CategoryResidential
Property TypeVacant Land > Residential
Legal DescriptionHERNANDO BEACH UNIT 13-B BLK 140 LOT 6
Legal Range16E
Legal Township23S
Legal Section24
Legal SubdivisionHERNANDO BEACH UNIT 13-B
Legal Block140
Legal Lot Number6
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group1
Census Block1008
Census Tract41501

Owner

Source: Hernando County records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2026Warranty Deed · Conventional Mortgage
RESICENTRAL LLC
Aug 18, 2023Deed of Trust, Mortgage · Construction Mortgage
TIME BANK
Aug 23, 2022Quit Claim Deed, Transfer
Quitclaim
Jul 20, 2021Warranty Deed, Transfer
TROPIC TITLE SERVICES
Mar 10, 2020Warranty Deed, Transfer
NORTH AMERICAN TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 18, 2026 · Amount on Record
Deed SaleJun 18, 2026 · Amount on Record
Prior SaleJul 20, 2021 · Amount on Record
Deed Document Number202641793
Deed Book / Page4724 / 1934
Prior Transfer DateAug 11, 2022
Prior Transfer Doc0042111079
Record UpdatedOct 29, 2026

June 2026: Warranty Deed

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJun 18, 2026
Property Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0000041793
Book / Page4724 / 1934
Instrument DateJun 16, 2026
Instrument202641793
Record UpdatedJun 29, 2026
Title CompanyWOLLINKA WIKLE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$458,843.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654

Mortgage

Document Number0000041794,
DateJun 18, 2026
Instrument202641794
Lender
NameRESICENTRAL LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.37%
Initial TypeFixed Rate
Max Rate-1%

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Transaction TypeMortgage
Record UpdatedDec 11, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address626 W TALCOTT RD, PARK RIDGE, IL 60068-4721

Mortgage

Document Number0043331305
DateAug 18, 2023
Book Page4333/1305
Instrument2023052530
Lender
NameTIME BANK
TypeBank
AddressPARK RIDGE, IL 60068
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

August 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionHERNANDO FL
Recording DateAug 23, 2022
Property Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0042111079
Book / Page4211 / 1079
Map ReferenceMB 17 PG 70
Instrument DateAug 11, 2022
Instrument2022063846
Transaction TypeTransfer
Record UpdatedDec 11, 2025

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address22936 CLEAR ECHO DR UNIT 32, 32, BOCA RATON, FL 33433-6496

Transferred To (Grantee/Buyer)

NameVerified Name
Address36181 E LAKE RD, PALM HARBOR, FL 34685-3142

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJul 20, 2021
Property Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0040290192
Book / Page4029 / 192
Map ReferenceMB 17 PG 70
Instrument DateJul 16, 2021
Instrument2021054355
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyTROPIC TITLE SERVICES

Transaction

AmountAmount Recorded
Tax$454.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3423 PALOMETA DR, HERNANDO BEACH, FL 34607-3654

Transferred To (Grantee/Buyer)

NameVerified Name
Address22936 CLEAR ECHO DR UNIT 32, 32, BOCA RATON, FL 33433-6496

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMar 10, 2020
Property Address3431 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0038160445
Book / Page003816 / 000445
Instrument DateMar 6, 2020
Instrument15586
Transaction TypeTransfer
Record UpdatedMay 21, 2020
Title CompanyNORTH AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$263.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3423 PALOMETA DR HERNANDO BEACH FL 346073654, HERNANDO BEACH, FL 34607-3654

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$1,194.00 (+7.57%)$70,500 (-3.59%) Land $70,500$70,500 (-3.59%) Land $70,500
2023$73,125
2022$1,110.00$73,125 Land $73,125

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Record
median of 357 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies357 in force
Nearby Flood Claims602 (1983–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Helene, Sep 2024 · 245 claims
  • Hurricane Idalia, Aug 2023 · 46 claims
  • Hurricane Hermine, Sep 2016 · 35 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 RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 78 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 / 35
Verizon
Fixed Wireless		300 / 20

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