4034 Cobia Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4034 Cobia Dr, Hernando Beach, FL 34607 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2012
Square Footage	1,940 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$557,000 (2025)
Tax Bill	$7,497.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`R24-223-16-2370-0135-0400`
Alternative APNs	`00935929` `935929`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,940 sqft Living Area
Gross Area	3,880 sqft Gross Area
1st Floor	1,940 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Combination, Other Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,500 sqft (0.172 acres)
Parking Spaces	6 Parking Spaces
Garage Type	Attached Garage
Garage Area	682 sqft Garage

Exterior Amenities

Pool Area	392 sqft Pool
Deck Area	308 sqft Deck
Patio Area	830 sqft Patio
Porch	Enclosed Porch
Porch Area	1,078 sqft Porch
Boat Access	Boat Access

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	00935929
Street Address	4034 COBIA DR
City	HERNANDO BEACH
State	FL
Zip	34607-3636
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 13-B BLK 135 LOT 40
Legal Range	16E
Legal Township	23S
Legal Section	24
Legal Subdivision	HERNANDO BEACH UNIT 13-B
Legal Block	135
Legal Lot Number	40
Jurisdiction	HERNANDO FL
Minor Civil Division	HERNANDO BEACH
Census Blockgroup	1
Census Block	1008
Census Tract	41501

Owner

Source: Hernando County records · APN R24-223-16-2370-0135-0400

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 Record	2 Individual Names on File
Mailing Address	4034 COBIA DR, HERNANDO BEACH, FL 34607-3636
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Prior Sale	May 14, 2020 · Amount on Record
Deed Doc Number	202524700
Deed Book / Page	4545 / 407
Prior Transfer Date	Dec 21, 2007
Prior Transfer Doc	0025241964
Record Refreshed	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 14, 2020
Property Address	4034 COBIA DR, HERNANDO BEACH, FL 34607-3636
Document Number	0038400096
Book / Page	3840 / 96
Map Reference	MB 17 PG 70-73
Instrument Date	May 06, 2020
Instrument	2020029286
Transaction Type	Transfer
Record Updated	Dec 07, 2021
Title Company	CHELSEA TTL OF NATURE COAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,726.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3650 CRESWICK CIRB, 3650, ORANGE PARK, FL 32065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4034 COBIA DR, HERNANDO BEACH, FL 34607-3636

Mortgage

Document Number	384097
Date	May 14, 2020
Instrument	3840/97

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,497.00 (+20.3%)	$467,486 (+21%)	$513,198 (+15.63%) Land $72,000 Building $441,198
2023		$386,352 (-14.68%) Land $47,149 Building $339,203
2022	$6,232.00	$452,813 Land $61,425 Building $391,388	$443,825 Land $74,625 Building $369,200

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 60% of the US · above 33% of Florida
Wildfire Likelihood	About 1 in 1,087 per year
Exposure	Indirect within ember reach

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