Hernando County property record for 4049 Cobia Dr, Hernando Beach, FL 34607 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,017 sqft · built 2002 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $560,000 (May 2026) |
| Tax Bill | $3,641 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R24-223-16-2370-0135-0030 |
| Primary APN | R24-223-16-2370-0135-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 2,017 sqft Living Area |
| Gross Area | 4,107 sqft |
| 1st Floor Area | 1,533 sqft |
| Upper Floors Area | 484 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 1,536 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 554 sqft |
| Deck Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00935554 |
|---|---|
| Street Address | 4049 COBIA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 13-B BLK 135 LOT 3 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 24 |
| Legal Subdivision | HERNANDO BEACH UNIT 13-B |
| Legal Block | 135 |
| Legal Lot Number | 3 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41501 |
Source: Hernando County records · APN R24-223-16-2370-0135-0030
Assessment roll updated December 8, 2025 · Last verified June 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 | 11150 CRESCENT BAY BLVD, CLERMONT, FL 34711-8877 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 13, 2026 · Amount on Record |
| Deed Sale | May 13, 2026 · Amount on Record |
| Prior Sale | Sep 08, 2003 · Amount on Record |
| Deed Document Number | 202632390 |
| Deed Book / Page | 4708 / 1247 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 13, 2026 |
| Property Address | 4049 COBIA DR, HERNANDO BEACH, FL 34607-3637 |
| Document Number | 0000032390 |
| Book / Page | 4708 / 1247 |
| Instrument Date | May 08, 2026 |
| Instrument | 202632390 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395,920.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 11150 CRESCENT BAY BLVD, CLERMONT, FL 34711-8877 |
| Document Number | 0000032391, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 202632391 |
| Name | CORNERSTONE MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,641.00 (+18.21%) Homeowner's exemption | $256,905 (+5.99%) | $462,921 (-1.64%) Land $108,000 Building $354,921 |
| 2023 | $242,393 Land $242,393 | ||
| 2022 | $3,080.00 | $470,644 Land $110,625 Building $360,019 |
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
| 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 Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 581 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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