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3497 Gulf Coast Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3497 Gulf Coast Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2004
Square Footage1,880 sqft Living Area
Lot Size10,601 sqft (0.243 acres)
GarageAttached, 384 sqft
Last Sale$645,000 (2021)
Tax Bill$462.00 (2025)

Property Details

APN / Parcel Number

Primary APNR12-223-16-2310-0860-0050
Alternative APNs
  • 00163156
  • 163156

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms5 Rooms
Building Area1,880 sqft Living Area
Gross Area2,376 sqft Gross Area
1st Floor1,880 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 2004
Exterior MaterialCombination Exterior
Construction TypeConcrete Blocks Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area10,601 sqft (0.243 acres)
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area384 sqft Garage
Deck Area120 sqft Deck
PorchEnclosed Porch
Porch Area352 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number00163156
Street Address3497 GULF COAST DR
CityHERNANDO BEACH
StateFL
Zip34607-3105
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 7 BLK 86 LOT 5 ORB 371 PG 67
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionHERNANDO BEACH UNIT 7
Legal Block86
Legal Lot Number5
JurisdictionHERNANDO FL
Minor Civil DivisionHERNANDO BEACH
Census Blockgroup2
Census Block2030
Census Tract41501

Owner

Source: Hernando County records · APN R12-223-16-2310-0860-0050

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 Address3497 GULF COAST DR, HERNANDO BEACH, FL 34607-3105
Owner TypeOwner is a Company
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2021Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Mar 30, 2021Warranty Deed, Transfer
AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION
Dec 31, 2018Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 23, 2021 · Amount on Record
Deed SaleNov 23, 2021 · Amount on Record
Prior SaleMar 30, 2021 · Amount on Record
Deed Doc Number202188813
Deed Book / Page4089 / 1505
Prior Transfer DateMay 21, 2014
Prior Transfer Doc0031570896
Record RefreshedJun 08, 2026

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateNov 23, 2021
Property Address3497 GULF COAST DR, HERNANDO BEACH, FL 34607-3105
Document Number0040891505
Book / Page4089 / 1505
Map ReferenceMB 7 PG 45-1&45-2
Instrument DateNov 18, 2021
Instrument2021088813
Transaction TypeTransfer
Record UpdatedDec 21, 2021
Title CompanyAMERICAS TITLE CORPORATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,515.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3232 GULF COAST DR, 3232, HERNANDO BEACH, FL 34607-3013

Transferred To (Grantee/Buyer)

NameVerified Name
Address3497 GULF COAST DR, HERNANDO BEACH, FL 34607-3105

Mortgage

Document Number0040891507
DateNov 23, 2021
Instrument4089/1507
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMar 30, 2021
Property Address3497 GULF COAST DR, HERNANDO BEACH, FL 34607-3105
Document Number0039740055
Book / Page3974 / 55
Map ReferenceMB 7 PG 45-1&45-2
Instrument DateMar 21, 2021
Instrument2021022010
Transaction TypeTransfer
Record UpdatedDec 07, 2021
Title CompanyAMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

AmountAmount Recorded
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3620 NE 44TH AVE, 3620, HIGH SPRINGS, FL 32643-5561

Transferred To (Grantee/Buyer)

NameVerified Name
Address3232 GULF COAST DR, HERNANDO BEACH, FL 34607-3013

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateDec 31, 2018
Property Address3497 GULF COAST DR, HERNANDO BEACH, FL 34607-3105
Document Number0036570767
Book / Page003657 / 000767
Instrument DateDec 27, 2018
Instrument78217
Transaction TypeTransfer
Record UpdatedFeb 06, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,666.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3497 GULF COAST DR HERNANDO BEACH FL 346073105, HERNANDO BEACH, FL 34607-3105

Mortgage

Document Number36570769
DateDec 31, 2018
Book Page003657/000769
Instrument78218
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueDec 30, 2048

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$462.00 (-0.65%) Disabled Person's exemption$520,016 (+6.28%) Land $263,317 Building $256,699$520,016 (+3.62%) Land $263,317 Building $256,699
2024$465.00
2023Additional exemption filed$489,284 Land $263,928 Building $225,356
2022$501,866 Land $271,374 Building $230,492

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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