Hernando County property record for 3492 Centavo Ct, Hernando Beach, FL 34607 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 884 sqft Living Area |
| Lot Size | 5,000 sqft (0.115 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $510,000 (2021) |
| Tax Bill | $4,891.00 (2025) |
| Primary APN | R13-223-16-2320-0950-0370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Building Area | 884 sqft Living Area |
| Gross Area | 2,262 sqft Gross Area |
| 1st Floor | 884 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 308 sqft Garage |
| Carport | Carport |
| Carport Area | 308 sqft Carport |
| Pool Area | 192 sqft Pool |
|---|---|
| Deck Area | 32 sqft Deck |
| Patio Area | 117 sqft Patio |
| Porch Area | 472 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00165181 |
|---|---|
| Street Address | 3492 CENTAVO CT |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3321 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 9 BLK 95 LOT 37 ORB 2659 PG 1515-16 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 13 |
| Legal Subdivision | HERNANDO BEACH UNIT 9 |
| Legal Block | 95 |
| Legal Lot Number | 37 |
| Jurisdiction | HERNANDO FL |
| Minor Civil Division | HERNANDO BEACH |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 41501 |
Source: Hernando County records · APN R13-223-16-2320-0950-0370
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 06, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Aug 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage I3 LENDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Prior Sale | Aug 18, 2020 · Amount on Record |
| Deed Doc Number | 202173365 |
| Deed Book / Page | 4063 / 634 |
| Prior Transfer Date | Jun 21, 2013 |
| Prior Transfer Doc | 0030361894 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Document Number | 0042550903 |
|---|---|
| Date | Jan 06, 2023 |
| Book Page | 4255/903 |
| Instrument | 2023000847 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Dec 21, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 30, 2021 |
| Property Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Document Number | 0040630634 |
| Book / Page | 4063 / 634 |
| Map Reference | MB 7 PG 49 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021073365 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9182 TARLETON CIR, 9182, WEEKI WACHEE, FL 34613-4059 |
| Name | Verified Name |
|---|---|
| Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Document Number | 4063636 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 4063/636 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 18, 2020 |
| Property Address | 3492 CENTAVO CT, HERNANDO BEACH, FL 34607-3321 |
| Document Number | 0038770276 |
| Book / Page | 3877 / 276 |
| Map Reference | MB 7 PG 49 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 2020050515 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2021 |
| Title Company | SOUTHERN SECURITY TTL SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5810, SPRING HILL, FL 34611-5810 |
| Name | Verified Name |
|---|---|
| Address | 15051 AZRA DR, ODESSA, FL 33556-1843 |
| Document Number | 3877278 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 3877/278 |
| Name | I3 LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
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 | $4,891.00 (+3.43%) Homeowner's exemption | $349,644 (-0.39%) Land $132,850 Building $216,794 | $349,644 (-0.39%) Land $132,850 Building $216,794 |
| 2023 | $351,006 (-0.69%) Land $141,501 Building $209,505 | ||
| 2022 | $4,729.00 Homeowner's exemption | $353,449 Land $102,900 Building $250,549 | $351,006 Land $137,000 Building $214,006 |
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 | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 840 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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