3498 Centavo Ct, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3498 Centavo Ct, Hernando Beach, FL 34607 · Last verified July 2026

Property Highlights

Property Type	Vacant Land > Residential
Lot Size	5,000 sqft (0.115 acres)
Occupancy	Owner Occupied
Last Sale	$710,000 (2026)

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2320-0950-0360`
Alternative APNs	`01847032` `1847032`

Exterior

Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Account Number	01847032
Street Address	3498 CENTAVO CT
City	HERNANDO BEACH
State	FL
Zip	34607-3321
Property Usage	Residential Property Usage
Type	Vacant Land > Residential
Legal Description	HERNANDO BEACH UNIT 9 BLK 95 LOT 36
Legal Subdivision	HERNANDO BEACH UNIT 9
Legal Block	95
Legal Lot Number	36
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1002
Census Tract	41501

Owner

Source: Hernando County records · APN R13-223-16-2320-0950-0360

Assessment roll updated December 8, 2025 · Last verified July 2026

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
Mailing Address	3498 CENTAVO CT, HERNANDO BEACH, FL 34607-3321
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 09, 2026 · Amount on Record
Deed Sale	Jul 09, 2026 · Amount on Record
Deed Doc Number	202646193
Deed Book / Page	4732 / 1773
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 09, 2026
Property Address	3498 CENTAVO CT, HERNANDO BEACH, FL 34607-3321
Document Number	0000046193
Book / Page	4732 / 1773
Instrument Date	Jul 06, 2026
Instrument	202646193
Record Updated	Jul 21, 2026
Title Company	ALL PERFORMANCE TITLE LLC, ALL PERFORMANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$501,970.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3498 CENTAVO CT, HERNANDO BEACH, FL 34607-3321

Mortgage

Document Number	0000046194,
Date	Jul 09, 2026
Instrument	202646194

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Assessed Value	Assessed Market Value
2025	$132,850 Land $132,850	$132,850 Land $132,850

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 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

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.