35031 Shale St, Webster, FL 33597 Property Records

Hernando County property record for 35031 Shale St, Webster, FL 33597

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,228 sqft · built 1991
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$412,000 (Nov 2025)
Tax Bill	$862 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2018 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`R23-122-21-0890-0270-0040`

Property Details

APN / Parcel Number

Primary APN	`R23-122-21-0890-0270-0040`
Alternative APNs	`00821551` `821551`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	1,228 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Porch
Porch Area	596 sqft
Deck Area	96 sqft
Patio Area	68 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00821551
Street Address	35031 SHALE ST
City	WEBSTER
State	FL
Zip	33597-6101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGE MANOR ESTATES UNIT4 BLK 27 LOT 4 & BLK 26 LOT 1
Legal Range	21E
Legal Township	22S
Legal Section	23
Legal Subdivision	RIDGE MNR EST UN 4
Legal Block	26-27
Legal Lot Number	4
Legal Unit	4
Jurisdiction	HERNANDO FL
Township / Civil Division	RIDGE MANOR
Census Block Group	1
Census Block	1000
Census Tract	40101

Owner

35031 Shale St is owned and occupied by an individual who bought it in November 2025.

Source: Hernando County records, as of December 24, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BK
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Jul 17, 2017	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Deed Document Number	2025081914
Deed Book / Page	4639 / 1418
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 26, 2025
Property Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Document Number	0046391418
Book / Page	4639 / 1418
Map Reference	MB 11 PG 1
Instrument Date	Nov 17, 2025
Instrument	2025081914
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	MERIDIAN TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,884.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5460 EMERALD DR, DADE CITY, FL 33523-8917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35031 SHALE ST, WEBSTER, FL 33597-6101

Mortgage

Document Number	0046391420
Date	Nov 26, 2025
Instrument	4639/1420

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036081170
Date	Jul 31, 2018
Book Page	3608/1170
Instrument	2018046141

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Document Number	0037790154
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 33RD STREET GULF #20 MARATHON FL 330502301, 20, MARATHON, FL 33050-2301

Mortgage

Document Number	0037790154
Date	Nov 27, 2019
Book Page	003779/000154
Instrument	75281

Lender

Name	FIRST HORIZON BK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Document Number	0037600093
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35031 SHALE ST WEBSTER FL 335976101, WEBSTER, FL 33597-6101

Mortgage

Document Number	0037600093
Date	Oct 10, 2019
Book Page	003760/000093
Instrument	63357

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 9, 2034

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	35031 SHALE ST, WEBSTER, FL 33597-6101
Document Number	0034930246
Book / Page	003493 / 000246
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35031 SHALE ST WEBSTER FL 335976101, WEBSTER, FL 33597-6101

Mortgage

Document Number	0034930246
Date	Jul 31, 2017
Book Page	003493/000246
Instrument	43610

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 30, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 35031 Shale St was $862 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$862.00 Additional exemption filed	$99,838	$230,546 Land $32,789 Building $197,757
2023		$94,198 Land $94,198
2022	$829.00		$223,205 Land $32,789 Building $190,416

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 35031 Shale St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 111 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	111 in force
Nearby Flood Claims	43 (1997–2024)
Claims Outside the SFHA	4 of 43
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 19 claims Hurricane Irma, Sep 2017 · 6 claims Hurricane Frances, Sep 2004 · 9 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 35031 Shale St is high, ranking above 71% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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