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3439 Palometa Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3439 Palometa Dr, Hernando Beach, FL 34607 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,631 sqft · built 2002
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$326,000 (Sep 2018)
Tax Bill$3,382 (2025)
Deeds & MortgagesDec 2023 Second Mortgage
Aug 2023 Transfer
+ 3 more
Flood ZoneZone AE (high risk)
APNR24-223-16-2370-0140-0050

Property Details

APN / Parcel Number

Primary APNR24-223-16-2370-0140-0050
Alternative APNs
  • 00938427
  • 938427

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,631 sqft Living Area
Gross Area4,087 sqft
1st Floor Area1,631 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)
Garage TypeAttached
Garage Area1,592 sqft
Parking Spaces6 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchEnclosed Porch
Porch Area1,632 sqft
Deck Area54 sqft
Patio Area84 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00938427
Street Address3439 PALOMETA DR
CityHERNANDO BEACH
StateFL
Zip34607-3654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 13-B BLK 140 LOT 5
Legal Range16E
Legal Township23S
Legal Section24
Legal SubdivisionHERNANDO BEACH UNIT 13-B
Legal Block140
Legal Lot Number5
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group1
Census Block1008
Census Tract41501

Owner

Source: Hernando County records · APN R24-223-16-2370-0140-0050

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 01, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Aug 22, 2023Intrafamily Transfer, Transfer
Jul 28, 2021Deed of Trust, Mortgage · VA Mortgage
RIVER CITY MORTGAGE LLC
Mar 10, 2020Deed of Trust, Mortgage · Conventional Mortgage
RIVER CITY MORTGAGE LLC
Sep 14, 2018Warranty Deed, Transfer · VA Mortgage
PLANET HM LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 14, 2018 · Amount on Record
Deed SaleSep 14, 2018 · Amount on Record
Prior SaleAug 08, 1997 · Amount on Record
Deed Document Number201856083
Deed Book / Page3623 / 760
Last Transfer DateAug 12, 2023
Transfer Doc0043340247
Record UpdatedSep 20, 2026

December 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Transaction TypeMortgage
Record UpdatedDec 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0043690752
DateDec 01, 2023
Book Page4369/752
Instrument2023075813
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueDec 01, 2043

August 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateAug 22, 2023
Property Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0043340247
Book / Page4334 / 247
Map ReferenceMB 17 PG 70-73
Instrument DateAug 12, 2023
Instrument2023052883
Transaction TypeTransfer
Record UpdatedSep 18, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Transaction TypeMortgage
Record UpdatedSep 01, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654

Mortgage

Document Number0040330127
DateJul 28, 2021
Book Page4033/127
Instrument2021056513
Lender
NameRIVER CITY MORTGAGE LLC
TypeMortgage Company
AddressCINCINNATI, OH 45242
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0038160314
DateMar 10, 2020
Book Page3816/314
Instrument2020015553
Lender
NameRIVER CITY MORTGAGE LLC
TypeNon-Lending Institution
AddressCINCINNATI, OH 45212
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateSep 14, 2018
Property Address3439 PALOMETA DR, HERNANDO BEACH, FL 34607-3654
Document Number0036230760
Book / Page003623 / 000760
Instrument DateSep 10, 2018
Instrument56083
Transaction TypeTransfer
Record UpdatedJan 16, 2020
Title CompanySOUTHWEST TITLE COMPANY, SOUTHWEST TITLE CO.

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,282.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3439 PALOMETA DR HERNANDO BEACH FL 346073654, HERNANDO BEACH, FL 34607-3654

Mortgage

Document Number36230762
DateSep 14, 2018
Book Page003623/000762
Instrument56084
Lender
NamePLANET HM LNDG
AddressMERIDEN, CT 06450
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 13, 2048

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,382.00 (+19.97%)$238,699 (+5.99%)$433,134 (-1.95%) Land $71,500 Building $361,634
2023$225,216 (+3.15%) Land $225,216
2022$2,819.00 Homeowner's exemption$218,342$441,736 Land $74,125 Building $367,611

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530415011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 357 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies357 in force
Nearby Flood Claims602 (1983–2024)
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Helene, Sep 2024 · 245 claims
  • Hurricane Idalia, Aug 2023 · 46 claims
  • Hurricane Hermine, Sep 2016 · 35 claims

Wildfire

Wildfire RiskHigh
above 81% of the US · above 71% of Florida
Wildfire LikelihoodAbout 1 in 279 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WOW Internet, Cable & PhoneFiber5,000 / 5,000
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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