Hernando County property record for 3495 Cobia Dr, Hernando Beach, FL 34607 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,627 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $288,000 (2020) |
| Tax Bill | $5,380.00 (2025) |
| Primary APN | R24-223-16-2370-0135-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Building Area | 1,627 sqft Living Area |
| 1st Floor | 1,627 sqft 1st Floor |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 6 Parking Spaces |
| Garage Area | 1,572 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 573 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00935652 |
|---|---|
| Street Address | 3495 COBIA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3633 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 13-B BLK 135 LOT 13 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | HERNANDO BEACH UNIT 13-B |
| Legal Block | 135 |
| Legal Lot Number | 13 |
| Legal Unit | 13 |
| Jurisdiction | HERNANDO FL |
| Minor Civil Division | HERNANDO BEACH |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 41501 |
Source: Hernando County records · APN R24-223-16-2370-0135-0130
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 04, 2022 | Deed of Trust, Mortgage · Line of Credit NOTRE DAME FCU |
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NOTRE DAME FCU |
| Jun 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 15, 2020 · Amount on Record |
| Deed Sale | Jun 15, 2020 · Amount on Record |
| Prior Sale | Aug 02, 2010 · Amount on Record |
| Deed Doc Number | 2020035647 |
| Deed Book / Page | 3851 / 11 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041651952 |
|---|---|
| Date | May 04, 2022 |
| Book Page | 4165/1952 |
| Instrument | 2022034641 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Document Number | 0040860536 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 4086/536 |
| Instrument | 2021086565 |
| Name | NOTRE DAME FCU |
|---|---|
| Type | Credit Union |
| Address | NOTRE DAME, IN 46556 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 15, 2020 |
| Property Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Document Number | 0038510011 |
| Book / Page | 3851 / 11 |
| Map Reference | MB 17 PG 70-73 |
| Instrument Date | Jun 04, 2020 |
| Instrument | 2020035647 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2021 |
| Title Company | SOUTHEAST TITLE OF SUNCOAST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,016.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 25 WINDSOR HILL RD, 25, HIGHLAND, NY 12528-2714 |
| Name | Verified Name |
|---|---|
| Address | 3495 COBIA DR, HERNANDO BEACH, FL 34607-3633 |
| Document Number | 385114 |
|---|---|
| Date | Jun 15, 2020 |
| Instrument | 3851/14 |
| Name | KELLER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025
| 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 | $5,380.00 (-8.98%) Additional exemption filed | $416,303 (+14.21%) Land $72,000 Building $344,303 | $416,303 (-1.76%) Land $72,000 Building $344,303 |
| 2023 | $364,516 Land $19,795 Building $344,721 | ||
| 2022 | $5,911.00 | $423,774 Land $74,625 Building $349,149 |
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 60% of the US · above 33% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,087 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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