Hernando County property record for 3455 Palometa Dr, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,666 sqft · built 2023 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $585,000 (Nov 2023) |
| Tax Bill | $3,865 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Nov 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | R24-223-16-2370-0140-0030 |
| Primary APN | R24-223-16-2370-0140-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,666 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00938409 |
|---|---|
| Street Address | 3455 PALOMETA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 13-B BLK 140 LOT 3 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | HERNANDO BEACH UNIT 13-B |
| Legal Block | 140 |
| Legal Lot Number | 3 |
| Legal Unit | 13 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41501 |
Source: Hernando County records, as of December 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 21, 2023 | Warranty Deed, Transfer · FHA Mortgage GO MORTGAGE LLC |
| Sep 30, 2020 | Warranty Deed, Transfer SOUTHEAST TITLE/THE SUNCOAST |
| Apr 6, 2018 | Warranty Deed, Transfer SOUTHEAST TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2023 · Amount on Record |
| Deed Sale | Nov 21, 2023 · Amount on Record |
| Prior Sale | Sep 30, 2020 · Amount on Record |
| Deed Document Number | 2023073942 |
| Deed Book / Page | 4366 / 1173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Document Number | 0046630319 |
|---|---|
| Date | Feb 3, 2026 |
| Book Page | 4663/319 |
| Instrument | 2026006271 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 21, 2023 |
| Property Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Document Number | 0043661173 |
| Book / Page | 4366 / 1173 |
| Map Reference | MB 17 PG 70-73 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023073942 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2023 |
| Title Company | TROPIC TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,095.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 231 PAPERBIRCH DR, COLLEGEVILLE, PA 19426-2894 |
| Name | Verified Name |
|---|---|
| Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Document Number | 0043661175 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 4366/1175 |
| Name | GO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 30, 2020 |
| Property Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Document Number | 0038931653 |
| Book / Page | 003893 / 001653 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 60426 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | SOUTHEAST TITLE/THE SUNCOAST |
| Amount | Amount Recorded |
|---|---|
| Tax | $203.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 231 PAPERBIRCH DR COLLEGEVILLE PA 194262894, COLLEGEVILLE, PA 19426-2894 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 6, 2018 |
| Property Address | 3455 PALOMETA DR, HERNANDO BEACH, FL 34607-3654 |
| Document Number | 0035701159 |
| Book / Page | 003570 / 001159 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 20646 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2018 |
| Title Company | SOUTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $196.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 11307 LADY FERN PL RIVERVIEW FL 335692227, RIVERVIEW, FL 33569-2227 |
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,865.00 (+392.98%) Additional exemption filed | $310,191 (+754.52%) | $473,466 (+547.47%) Land $70,500 Building $402,966 |
| 2023 | $36,300 (-39.42%) | ||
| 2022 | $784.00 | $59,925 Land $59,925 | $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.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 78 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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