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3507 Centavo Ct, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 3507 Centavo Ct, Hernando Beach, FL 34607 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,744 sqft · built 1984
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$475,000 (Jul 2026)
Tax Bill$6,704 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Jul 2026 Sale
+ 2 more
Flood ZoneZone AE (high risk)
APNR13-223-16-2320-0950-0030

Property Details

APN / Parcel Number

Primary APNR13-223-16-2320-0950-0030
Alternative APNs
  • 00164949
  • 164949

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,744 sqft Living Area
Gross Area2,374 sqft
1st Floor Area1,744 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1991
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,000 sqft (0.23 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area102 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00164949
Street Address3507 CENTAVO CT
CityHERNANDO BEACH
StateFL
Zip34607-3324
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERNANDO BEACH UNIT 9 BLK 95 LOTS 3 4 ORB 335 PG 607
Legal Range16E
Legal Township23S
Legal Section13
Legal SubdivisionHERNANDO BEACH UNIT 9
Legal Block95
Legal Lot Number3
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group1
Census Block1002
Census Tract41501

Owner

Source: Hernando County records · APN R13-223-16-2320-0950-0030

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

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

Owner of Record2 Individual Names on File
Mailing Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jun 05, 2026Warranty Deed, Transfer · Conventional Mortgage
CHAMPIONS FUNDING LLC
Jul 10, 2026Re-recorded Document, Transfer
SOUTHERN TITLE, SOUTHERN SECURITY TITLE
Aug 17, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 04, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 10, 2026 · Amount on Record
Deed SaleJul 10, 2026 · Amount on Record
Prior SaleJun 05, 2026 · Amount on Record
Deed Document Number202646564
Deed Book / Page4733 / 857
Prior Transfer DateAug 17, 2023
Prior Transfer Doc0043330242
Record UpdatedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJun 05, 2026
Property Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324
Document Number0000038321
Book / Page4719 / 613
Instrument DateJun 03, 2026
Instrument202638321
Transaction TypeTransfer
Record UpdatedJun 17, 2026
Title CompanySOUTHERN EQUITY TITLE, SOUTHERN SECURITY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$335,825.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324

Mortgage

Document Number0000038322,
DateJun 05, 2026
Instrument202638322
Lender
NameCHAMPIONS FUNDING LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeFixed Rate
Rate6.23%
Initial TypeFixed Rate
Max Rate-1%

July 2026: Re-recorded Document, Transfer

Document TypeRe-recorded Document
JurisdictionHERNANDO FL
Recording DateJul 10, 2026
Property Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324
Document Number0000046564
Book / Page4733 / 857
Instrument DateJun 03, 2026
Instrument202646564
Transaction TypeTransfer
Record UpdatedJul 30, 2026
Title CompanySOUTHERN TITLE, SOUTHERN SECURITY TITLE

Transaction

AmountAmount Recorded
Tax$335,825.00
Amount AccuracyCalculated from Transfer Tax

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324

August 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateAug 17, 2023
Property Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324
Document Number0043330242
Book / Page4333 / 242
Map ReferenceMB 7 PG 49
Instrument DateAug 17, 2023
Instrument2023052192
Transaction TypeTransfer
Record UpdatedSep 14, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3343 TURKS CAP DR, HERNANDO BEACH, FL 34607-3531

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 5810, SPRING HILL, FL 34611-5810

April 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateApr 04, 2023
Property Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324
Document Number0042810820
Book / Page4281 / 820
Map ReferenceMB 7 PG 49
Instrument DateApr 03, 2023
Instrument2023018291
Transaction TypeTransfer
Record UpdatedMay 15, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3507 CENTAVO CT, HERNANDO BEACH, FL 34607-3324

Transferred To (Grantee/Buyer)

NameVerified Name
Address3343 TURKS CAP DR, HERNANDO BEACH, FL 34607-3531

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified August 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,704.00 (+374.45%)$437,093 (+163.13%) Land $233,800 Building $203,293$437,093 (-4.71%) Land $233,800 Building $203,293
2023$166,112 (+3%) Land $166,112
2022$1,413.00 Homeowner's exemption$161,274$458,690 Land $241,000 Building $217,690

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530415011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 357 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies357 in force
282 of 357 on primary residences
Nearby Flood Claims602 (1983–2024)
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Flood Events
  • Hurricane Helene (Sep 2024), 245 claims
  • Hurricane Idalia (Aug 2023), 46 claims
  • Hurricane Hermine (Sep 2016), 35 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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