3440 Cobia Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3440 Cobia Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2007
Square Footage	3,117 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$55,000 (2002)
Tax Bill	$5,597.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R24-223-16-2370-0135-0250`
Alternative APNs	`00935778` `935778`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	3,117 sqft Living Area
Gross Area	6,316 sqft Gross Area
1st Floor	2,029 sqft 1st Floor
Upper Floors	1,088 sqft Upper Floors
Stories	3 Stories
Primary Flooring	Combination, Other Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,500 sqft (0.172 acres)
Parking Spaces	8 Parking Spaces
Garage Type	Attached Garage
Garage Area	2,169 sqft Garage

Exterior Amenities

Pool Area	392 sqft Pool
Patio Area	192 sqft Patio
Porch	Open Porch
Porch Area	1,030 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00935778
Street Address	3440 COBIA DR
City	HERNANDO BEACH
State	FL
Zip	34607-3632
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 13-B BLK 135 LOT 25
Legal Range	16E
Legal Township	23S
Legal Section	24
Legal Subdivision	HERNANDO BEACH UNIT 13-B
Legal Block	135
Legal Lot Number	25
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1008
Census Tract	41501

Owner

Source: Hernando County records · APN R24-223-16-2370-0135-0250

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

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

Owner of Record	2 Company Names on File
Mailing Address	3440 COBIA DR, HERNANDO BEACH, FL 34607-3632
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 27, 2002 · Amount on Record
Deed Sale	Nov 27, 2002 · Amount on Record
Deed Book / Page	1598 / 686
Last Transfer Date	Jul 10, 2017
Transfer Doc	0034871979
Record Refreshed	Jun 08, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 13, 2017
Property Address	3440 COBIA DR, HERNANDO BEACH, FL 34607-3632
Document Number	0034871979
Book / Page	003487 / 001979
Instrument Date	Jul 10, 2017
Instrument	39879
Transaction Type	Transfer
Record Updated	Aug 07, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3440 COBIA DR HERNANDO BEACH FL 346073632, HERNANDO BEACH, FL 34607-3632

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,597.00 (+11.01%) Homeowner's exemption	$393,857 (+5.99%)	$690,802 (-1.65%) Land $74,100 Building $616,702
2023		$371,609 (+3%) Land $371,609
2022	$5,042.00 Homeowner's exemption	$360,785	$702,379 Land $76,875 Building $625,504

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 625 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.