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3495 Centavo Ct, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3495 Centavo Ct, Hernando Beach, FL 34607 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 2002
Square Footage1,464 sqft Living Area
Lot Size8,712 sqft (0.2 acres)
OccupancyOwner Occupied
Last Sale$310,000 (2020)
Tax Bill$7,079.00 (2025)

Property Details

APN / Parcel Number

Primary APNR13-223-16-2320-0950-0010
Alternative APNs
  • 00164930
  • 164930

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms4 Rooms
Building Area1,464 sqft Living Area
1st Floor1,464 sqft 1st Floor
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2002
Exterior MaterialAluminum/Vinyl Exterior
Construction TypeWood Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,712 sqft (0.2 acres)
Parking Spaces4 Parking Spaces
Garage Area1,344 sqft Garage
Patio Area360 sqft Patio
Porch1 Porch
Porch Area600 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number00164930
Street Address3495 CENTAVO CT
CityHERNANDO BEACH
StateFL
Zip34607-3322
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 9 BLK 95 LOTS 1 2
Legal Range16E
Legal Township23S
Legal Section13
Legal SubdivisionHERNANDO BEACH UNIT 9
Legal Block95
Legal Lot Number1-2 2
Legal Unit9
JurisdictionHERNANDO FL
Minor Civil DivisionHERNANDO BEACH
Census Blockgroup1
Census Block1002
Census Tract41501

Owner

Source: Hernando County records · APN R13-223-16-2320-0950-0010

Assessment roll updated October 31, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3495 CENTAVO CT, HERNANDO BEACH, FL 34607-3322
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2023Deed of Trust, Mortgage · Stand Alone Second Mortgage
ROCKET MORTGAGE LLC
Mar 16, 2020Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 16, 2020 · Amount on Record
Deed SaleMar 16, 2020 · Amount on Record
Prior SaleFeb 04, 2011 · Amount on Record
Deed Doc Number2020017333
Deed Book / Page3819 / 634
Record RefreshedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address3495 CENTAVO CT, HERNANDO BEACH, FL 34607-3322
Transaction TypeMortgage
Record UpdatedAug 14, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3495 CENTAVO CT, HERNANDO BEACH, FL 34607-3322

Mortgage

Document Number0043211621
DateJul 21, 2023
Book Page4321/1621
Instrument2023044899
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term241 Months
DueAug 01, 2043

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMar 16, 2020
Property Address3495 CENTAVO CT, HERNANDO BEACH, FL 34607-3322
Document Number0038190634
Book / Page3819 / 634
Map ReferenceMB 7 PG 49
Instrument DateMar 05, 2020
Instrument2020017333
Transaction TypeTransfer
Record UpdatedJul 28, 2022
Title CompanySOUTHERN SECURITY TTL SVCS I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address145 N STATE ST, 145, CONCORD, NH 03301-5013

Transferred To (Grantee/Buyer)

NameVerified Name
Address3495 CENTAVO CT, HERNANDO BEACH, FL 34607-3322

Mortgage

Document Number0038190636
DateMar 16, 2020
Instrument3819/0636
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

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$7,079.00 (+2.52%)$476,409 (+21%)$520,906 (-3.51%) Land $243,900 Building $277,006
2023$393,726 Land $115,055 Building $278,671
2022$6,905.00$539,833 Land $251,500 Building $288,333

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 67% of the US · above 45% of Florida
Wildfire LikelihoodAbout 1 in 840 per year
ExposureIndirect
within ember reach

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

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