3445 Paragon Ter, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3445 Paragon Ter, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 952 sqft · built 1969
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (May 2022)
Tax Bill	$3,253 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-1890-0110-0040`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-1890-0110-0040`
Alternative APNs	`00153700` `153700`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
1st Floor Area	952 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	318 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00153700
Street Address	3445 PARAGON TER
City	HERNANDO BEACH
State	FL
Zip	34607-2950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RETREATS UNIT 1 BLK 11 LOT 4
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 1
Legal Block	11
Legal Lot Number	4
Legal Unit	1
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2024
Census Tract	41501

Owner

Source: Hernando County records, as of December 10, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	509 CLINTON AVE, MIDDLESEX, NJ 08846-2318
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Apr 18, 2016 · Amount on Record
Deed Document Number	2022035549
Deed Book / Page	4167 / 804
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 6, 2022
Property Address	3445 PARAGON TER, HERNANDO BEACH, FL 34607-2950
Document Number	0041670804
Book / Page	4167 / 804
Map Reference	MB 6 PG 78A&78B
Instrument Date	Apr 26, 2022
Instrument	2022035549
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3609 BRIAR RUN DR, 3609, CLERMONT, FL 34711-9618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CLINTON AVE, MIDDLESEX, NJ 08846-2318

Mortgage

Document Number	0004167806
Date	May 6, 2022
Instrument	4167/806

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,253.00 (-31.57%)	$227,894 (-27.2%) Land $126,007 Building $101,887	$227,894 (-27.2%) Land $126,007 Building $101,887
2023		$313,053 Land $128,509 Building $184,544
2022	$4,754.00		$313,053 Land $126,007 Building $187,046

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 412 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	412 in force
Nearby Flood Claims	1,071 (1979–2024)
Claims Outside the SFHA	6 of 1,071
Most Recent Claim	Oct 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 System	HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059
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, 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000