4270 Carlos Ct, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4270 Carlos Ct, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,839 sqft · built 2002
Lot Size	0.14 acres (6,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Jul 2026)
Tax Bill	$5,808 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`R13-223-16-2320-0930-0420`

Property Details

APN / Parcel Number

Primary APN	`R13-223-16-2320-0930-0420`
Alternative APNs	`00749630` `749630`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,839 sqft Living Area
Gross Area	4,298 sqft
1st Floor Area	1,839 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,100 sqft (0.14 acres)
Garage Type	Attached
Garage Area	1,645 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	822 sqft
Patio Area	120 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00749630
Street Address	4270 CARLOS CT
City	HERNANDO BEACH
State	FL
Zip	34607-3311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 9 BLK 93 LOTS 41 & 42
Legal Range	16E
Legal Township	23S
Legal Section	13
Legal Subdivision	HERNANDO BEACH UNIT 9
Legal Block	93
Legal Lot Number	41,42
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1002
Census Tract	41501

Owner

Source: Hernando County records, as of August 11, 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 Record
Mailing Address	2617 QUASQUETON DIAGONAL BLVD, 6, INDEPENDENCE, IA 50644-9386
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 7, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 4, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage HOME PT FIN'L
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	May 13, 1999 · Amount on Record
Deed Document Number	202649774
Deed Book / Page	4739 / 190
Prior Transfer Date	Mar 11, 2025
Prior Transfer Doc	0045361921
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 23, 2026
Property Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311
Document Number	0000049774
Book / Page	4739 / 190
Instrument Date	Jul 20, 2026
Instrument	202649774
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	SOUTHERN TITLE, SOUTHERN SECURITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487,830.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2617 QUASQUETON DIAGONAL BLVD, 6, INDEPENDENCE, IA 50644-9386

Mortgage

Document Number	0000049775,
Date	Jul 23, 2026
Instrument	202649775

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Mar 7, 2024
Property Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311
Document Number	0044000327
Book / Page	4400 / 327
Map Reference	MB 7 PG 49
Instrument Date	Feb 29, 2024
Instrument	2024014516
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034271677
Date	Jan 4, 2017
Book Page	3427/1677
Instrument	2017000248

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311
Document Number	0039220922
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4270 CARLOS CT HERNANDO BEACH FL 346073311, HERNANDO BEACH, FL 34607-3311

Mortgage

Document Number	0039220922
Date	Dec 8, 2020
Book Page	003922/000922
Instrument	77000

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4270 CARLOS CT, HERNANDO BEACH, FL 34607-3311
Document Number	0035361950
Book / Page	003536 / 001950
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4270 CARLOS CT HERNANDO BEACH FL 346073311, HERNANDO BEACH, FL 34607-3311

Mortgage

Document Number	0035361950
Date	Dec 20, 2017
Book Page	003536/001950
Instrument	71839

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 19, 2027

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	$5,808.00 (+9.03%)	$413,745 (+5.99%)	$806,923 (-4.92%) Land $324,154 Building $482,769
2023		$390,374 (+4.11%) Land $390,374
2022	$5,327.00 Homeowner's exemption	$374,978	$848,722 Land $334,280 Building $514,442

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 357 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	357 in force
Nearby Flood Claims	602 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 245 claims Hurricane Idalia, Aug 2023 · 46 claims Hurricane Hermine, Sep 2016 · 35 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 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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