Hernando County property record for 3456 Cobia Dr, Hernando Beach, FL 34607 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,788 sqft Living Area |
| Lot Size | 7,500 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $23,000 (1997) |
| Tax Bill | $2,908.00 (2025) |
| Primary APN | R24-223-16-2370-0135-0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 3,976 sqft Gross Area |
| 1st Floor | 1,368 sqft 1st Floor |
| Upper Floors | 420 sqft Upper Floors |
| Stories | 3 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2004 |
| 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 | 5 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 1,368 sqft Garage |
| Porch Area | 820 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00935796 |
|---|---|
| Street Address | 3456 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 27 ORB 1150 PGS 1624-25 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | HERNANDO BEACH UNIT 13-B |
| Legal Block | 135 |
| Legal Lot Number | 27 |
| Jurisdiction | HERNANDO FL |
| Minor Civil Division | HERNANDO BEACH |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 41501 |
Source: Hernando County records · APN R24-223-16-2370-0135-0270
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 | Company Name on File |
|---|---|
| Mailing Address | 3456 COBIA DR, HERNANDO BEACH, FL 34607-3632 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Feb 28, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 05, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 06, 1997 · Amount on Record |
| Deed Sale | Oct 06, 1997 · Amount on Record |
| Prior Sale | Oct 06, 1997 |
| Deed Book / Page | 1150 / 1624 |
| Last Transfer Date | Apr 27, 2005 |
| Transfer Doc | 0020160581 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Feb 28, 2018 |
| Property Address | 3456 COBIA DR, HERNANDO BEACH, FL 34607-3632 |
| Document Number | 0035570626 |
| Book / Page | 003557 / 000626 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 11993 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3456 COBIA DR HERNANDO BEACH FL 346073632, HERNANDO BEACH, FL 34607-3632 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3456 COBIA DR, HERNANDO BEACH, FL 34607-3632 |
| Document Number | 0034781148 |
| Instrument Date | Jun 05, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 3456 COBIA DR HERNANDO BEACH FL 346073632, HERNANDO BEACH, FL 34607-3632 |
| Document Number | 0034781148 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 003478/001148 |
| Instrument | 33695 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
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 | $2,908.00 (+24.11%) Homeowner's exemption | $205,503 (+5.99%) | $390,480 (-1.81%) Land $70,500 Building $319,980 |
| 2023 | $193,894 (+3%) Land $193,894 | ||
| 2022 | $2,343.00 Homeowner's exemption | $188,247 | $397,693 Land $73,125 Building $324,568 |
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
| 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 | 12.0 ft |
| Coastal | Yes |
| 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.
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