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3488 Cobia Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3488 Cobia Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2008
Square Footage2,503 sqft Living Area
Lot Size7,500 sqft (0.172 acres)
OccupancyOwner Occupied
Last Sale$485,000 (2021)
Tax Bill$7,679.00 (2025)

Property Details

APN / Parcel Number

Primary APNR24-223-16-2370-0135-0310
Alternative APNs
  • 00935830
  • 935830

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms6 Rooms
Building Area2,503 sqft Living Area
Gross Area5,551 sqft Gross Area
1st Floor1,953 sqft 1st Floor
Upper Floors550 sqft Upper Floors
Stories3 Stories
Primary FlooringCombination, Other Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2008
Exterior MaterialStucco Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,500 sqft (0.172 acres)
Parking Spaces7 Parking Spaces
Garage TypeAttached Garage
Garage Area1,961 sqft Garage

Exterior Amenities

Pool Area312 sqft Pool
Deck Area212 sqft Deck
Patio Area536 sqft Patio
Porch Area1,087 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number00935830
Street Address3488 COBIA DR
CityHERNANDO BEACH
StateFL
Zip34607-3632
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 13-B BLK 135 LOT 31
Legal Range16E
Legal Township23S
Legal Section24
Legal SubdivisionHERNANDO BEACH UNIT 13-B
Legal Block135
Legal Lot Number31
JurisdictionHERNANDO FL
Minor Civil DivisionHERNANDO BEACH
Census Blockgroup1
Census Block1008
Census Tract41501

Owner

Source: Hernando County records · APN R24-223-16-2370-0135-0310

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 Record2 Company Names on File
Mailing Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingOwner is a Trust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Mar 01, 2024Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
Jun 26, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 24, 2021Warranty Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Oct 26, 2018Deed of Trust, Mortgage · Line of Credit
SUNCOAST CU
Oct 10, 2017Warranty Deed, Transfer · Conventional Mortgage
HANCOCK BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 24, 2021 · Amount on Record
Deed SaleMar 24, 2021 · Amount on Record
Prior SaleOct 10, 2017 · Amount on Record
Deed Doc Number202120390
Deed Book / Page3971 / 509
Last Transfer DateJun 08, 2023
Transfer Doc0043130485
Record RefreshedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Transaction TypeMortgage
Record UpdatedMar 19, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632

Mortgage

Document Number0043971296
DateMar 01, 2024
Book Page4397/1296
Instrument2024012981
Lender
NameSUNCOAST CU
TypeCredit Union
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueFeb 28, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateJun 26, 2023
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Document Number0043130485
Book / Page4313 / 485
Map ReferenceMB 17 PG 70
Instrument DateJun 08, 2023
Instrument2023039463
Transaction TypeTransfer
Record UpdatedJul 28, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Transaction TypeMortgage
Record UpdatedJan 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address100 BRADFORD LN, BLOOMSBURY, NJ 08804-4004

Mortgage

Document Number0039791460
DateApr 12, 2021
Book Page3979/1460
Instrument2021025195
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMar 24, 2021
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Document Number0039710509
Book / Page3971 / 509
Map ReferenceMB 17 PG 70
Instrument DateMar 18, 2021
Instrument2021020390
Transaction TypeTransfer
Record UpdatedDec 07, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,395.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 3219, SPRING HILL, FL 34611-3219

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 100, BLOOMSBURY, NJ 08804-0100

Mortgage

Document Number3971511
DateMar 24, 2021
Instrument3971/511
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Document Number0036401092
Instrument DateOct 26, 2018
Transaction TypeMortgage
Record UpdatedDec 12, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3488 COBIA DR HERNANDO BEACH FL 346073632, HERNANDO BEACH, FL 34607-3632

Mortgage

Document Number0036401092
DateNov 06, 2018
Book Page003640/001092
Instrument67375
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount Recorded
Term276 Months
DueNov 05, 2041
Interest
Rate TypeAdjustable Rate

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateOct 10, 2017
Property Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632
Document Number0035141442
Book / Page3514 / 1442
Map ReferenceMB17 PG70-73
Instrument DateSep 28, 2017
Instrument2017057394
Transaction TypeTransfer
Record UpdatedDec 07, 2021
Title CompanySOUTHEAST TITLE OF SUNCOAST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,499.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2 DOROTHY LN, 2, KINGS PARK, NY 11754-2933

Transferred To (Grantee/Buyer)

NameVerified Name
Address3488 COBIA DR, HERNANDO BEACH, FL 34607-3632

Mortgage

Document Number35141444
DateOct 10, 2017
Instrument3514/1444
Lender
NameHANCOCK BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,679.00 (-0.79%)$539,762 (-1.72%) Land $72,000 Building $467,762$539,762 (-1.72%) Land $72,000 Building $467,762
2023$549,218 (-2.83%) Land $97,116 Building $452,102
2022$7,740.00 Homeowner's exemption$565,218 Land $61,425 Building $503,793$549,218 Land $74,625 Building $474,593

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes

Wildfire

Wildfire RiskModerate
above 60% of the US · above 33% of Florida
Wildfire LikelihoodAbout 1 in 1,087 per year
ExposureIndirect
within ember reach

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

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