35360 Hard Luck Trl, Webster, FL 33597 Property Records

Hernando County property record for 35360 Hard Luck Trl, Webster, FL 33597

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,800 sqft · built 2009
Lot Size	10.7 acres (466,092 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,693 (2025)
Deeds & Mortgages	Mar 2020 Transfer May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R13-423-21-7125-0000-0020`

Property Details

APN / Parcel Number

Primary APN	`R13-423-21-7125-0000-0020`
Alternative APNs	`00839114` `839114`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	1 Room
Stories	1 Story
Building Area	4,800 sqft Living Area
1st Floor Area	1,793 sqft
Upper Floors Area	960 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2016
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	466,092 sqft (10.7 acres)
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	720 sqft
Deck Area	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00839114
Street Address	35360 HARD LUCK TRL
City	WEBSTER
State	FL
Zip	33597-9300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MASON/MILLS - CLASS 1 SUB 10.7 AC MOL IN E1/2 AKA LOT 2 IN (S-98-032 C) SUBJ TO CONTINUED
Legal Range	21E
Legal Township	23S
Legal Section	13
Legal Subdivision	MASON/MILLS - CLASS 1 SUB
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	RIDGE MANOR
Census Block Group	3
Census Block	3038
Census Tract	40101

Owner

35360 Hard Luck Trl is owned and occupied by two individuals who acquired it in March 2020.

Source: Hernando County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	35360 HARD LUCK TRL, WEBSTER, FL 33597-9300
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
Mar 12, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 7, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 26, 2018	Loan Modification, Mortgage OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2008
Deed Sale	Nov 4, 2008
Deed Document Number	0026070162
Deed Book / Page	002607 / 000162
Last Transfer Date	Mar 12, 2020
Transfer Doc	0038170787
Record Updated	Jun 8, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 12, 2020
Property Address	35360 HARD LUCK TRL, WEBSTER, FL 33597-9300
Document Number	0038170787
Book / Page	003817 / 000787
Instrument Date	Mar 11, 2020
Instrument	16324
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3475 BURWELL RD WEBSTER FL 335979160, WEBSTER, FL 33597-9160

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	35360 HARD LUCK TRL, WEBSTER, FL 33597-9300
Document Number	0037070136
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35360 HARD LUCK TRL WEBSTER FL 335979300, WEBSTER, FL 33597-9300

Mortgage

Document Number	0037070136
Date	May 24, 2019
Book Page	003707/000136
Instrument	32061

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2049

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	35360 HARD LUCK TRL, WEBSTER, FL 33597-9300
Document Number	0036081128
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35360 HARD LUCK TRL WEBSTER FL 335979300, WEBSTER, FL 33597-9300

Mortgage

Document Number	0036081128
Date	Jul 31, 2018
Book Page	003608/001128
Instrument	46117

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	WEST PALM BEACH, FL 33407

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 35360 Hard Luck Trl was $3,693 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	$3,693.00 Additional exemption filed	$298,135	$621,406 Land $237,273 Building $384,133
2023		$281,294 Land $281,294
2022	$3,671.00		$629,864 Land $237,273 Building $392,591

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 35360 Hard Luck Trl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	30 in force
Nearby Flood Claims	36 (1979–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 5 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 35360 Hard Luck Trl is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.5% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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