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

Hernando County property record for 3440 Palometa Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 1997
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Sep 2021)
Tax Bill	$6,180 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R24-223-16-2370-0140-0280`

Property Details

APN / Parcel Number

Primary APN	`R24-223-16-2370-0140-0280`
Alternative APNs	`00938659` `938659`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,754 sqft Living Area
Gross Area	3,560 sqft
1st Floor Area	1,058 sqft
Upper Floors Area	696 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	1,046 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	324 sqft
Porch	Open Porch
Porch Area	760 sqft
Deck Area	156 sqft
Patio Area	476 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00938659
Street Address	3440 PALOMETA DR
City	HERNANDO BEACH
State	FL
Zip	34607-3653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 13-B BLK 140 LOT 28
Legal Range	16E
Legal Township	23S
Legal Section	24
Legal Subdivision	HERNANDO BEACH UNIT 13-B
Legal Block	140
Legal Lot Number	28
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1008
Census Tract	41501

Owner

Source: Hernando County records · APN R24-223-16-2370-0140-0280

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	Individual Name on File
Mailing Address	6514 ELLINGTON WAY, FREDERICK, MD 21703-7075
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Jun 21, 2006 · Amount on Record
Deed Document Number	202170313
Deed Book / Page	4057 / 1117
Prior Transfer Date	Nov 17, 2011
Prior Transfer Doc	0028621407
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 17, 2021
Property Address	3440 PALOMETA DR, HERNANDO BEACH, FL 34607-3653
Document Number	0040571117
Book / Page	4057 / 1117
Map Reference	MB 17 PG 70-73
Instrument Date	Sep 17, 2021
Instrument	2021070313
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15241 TELCOM DR, 15241, BROOKSVILLE, FL 34604-0718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6514 ELLINGTON WAY, FREDERICK, MD 21703-7075

Mortgage

Document Number	40571119
Date	Sep 17, 2021
Instrument	4057/1119

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

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	$6,180.00 (+1%)	$395,327 (-1.89%) Land $76,500 Building $318,827	$395,327 (-1.89%) Land $76,500 Building $318,827
2023		$402,952 (-1.27%) Land $98,881 Building $304,071
2022	$6,119.00	$408,144 Land $64,875 Building $343,269	$402,952 Land $79,425 Building $323,527

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 357 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	357 in force
Nearby Flood Claims	602 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 245 claims Hurricane Idalia, Aug 2023 · 46 claims Hurricane Hermine, Sep 2016 · 35 claims

Wildfire

Wildfire Risk	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 78 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.