4260 Columbus Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4260 Columbus Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,959 sqft · built 2008
Lot Size	0.169 acres (7,366 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Apr 2020)
Tax Bill	$10,193 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-2020-0590-0010`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2020-0590-0010`
Alternative APNs	`00159759` `159759`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,959 sqft Living Area
Gross Area	4,448 sqft
1st Floor Area	1,959 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,366 sqft (0.169 acres)
Garage Type	Attached
Garage Area	1,663 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	286 sqft
Porch	Open Porch
Porch Area	826 sqft
Patio Area	180 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00159759
Street Address	4260 COLUMBUS DR
City	HERNANDO BEACH
State	FL
Zip	34607-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 6 BLK 59 LOT 1 ORB 2251 PGS 899-900
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 6
Legal Block	59
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2031
Census Tract	41501

Owner

Source: Hernando County records, as of August 7, 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 Record
Mailing Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Line of Credit ACHIEVA CREDIT UNION
Jan 5, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FLEXPOINT INC
Apr 15, 2020	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Dec 23, 2008 · Amount on Record
Deed Document Number	202023684
Deed Book / Page	3829 / 1676
Last Transfer Date	Dec 20, 2021
Transfer Doc	0041091345
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 22, 2026
Property Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205
Document Number	0000049562
Book / Page	4738 / 1214
Instrument Date	Jul 16, 2026
Instrument	202649562
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205

Mortgage

Document Number	0000049562,
Date	Jul 22, 2026
Book Page	4738/1214
Instrument	202649562

Lender

Name	ACHIEVA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 27, 2051

Interest

Rate	6.47%
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jan 5, 2022
Property Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205
Document Number	0041091345
Book / Page	4109 / 1345
Map Reference	MB 7 PG 14
Instrument Date	Dec 20, 2021
Instrument	2022001436
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205

Mortgage

Document Number	0041091347
Date	Jan 5, 2022
Instrument	4109/1347

Lender

Name	FLEXPOINT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 15, 2020
Property Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205
Document Number	0038291676
Book / Page	3829 / 1676
Map Reference	MB 7 PG 14
Instrument Date	Apr 13, 2020
Instrument	2020023684
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8210 MACKINAW RD, 8210, WEEKI WACHEE, FL 34613-6602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4260 COLUMBUS DR, HERNANDO BEACH, FL 34607-3205

Mortgage

Document Number	38291678
Date	Apr 15, 2020
Instrument	3829/1678

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Max Rate	9.75%

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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	$10,193.00 (+0.4%)	$681,625 (-3.73%) Land $188,477 Building $493,148	$681,625 (-3.73%) Land $188,477 Building $493,148
2023		$708,049 Land $214,105 Building $493,944
2022	$10,152.00		$708,049 Land $194,370 Building $513,679

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

Flood

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	12.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 412 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	412 in force
Nearby Flood Claims	1,071 (1979–2024)
Claims Outside the SFHA	6 of 1,071
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 342 claims Hurricane Idalia, Sep 2023 · 115 claims Tropical Storm Josephine, Oct 1996 · 84 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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