Hernando County property record for 4385 5th Isle Dr, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,408 sqft · built 1978 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $398,000 (Oct 2021) |
| Tax Bill | $1,869 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | R12-223-16-2310-0880-0110 |
| Primary APN | R12-223-16-2310-0880-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| Gross Area | 2,016 sqft |
| 1st Floor Area | 1,408 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 364 sqft |
|---|---|
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 278 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00163539 |
|---|---|
| Street Address | 4385 5TH ISLE DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-3130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HERNANDO BEACH UNIT 7 BLK 88 LOT 11 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | HERNANDO BEACH UNIT 7 |
| Legal Block | 88 |
| Legal Lot Number | 11 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 41501 |
Source: Hernando County records, as of March 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP |
| Jul 10, 2019 | Deed of Trust, Mortgage · VA Mortgage AFI FINANCIAL INC |
| Nov 27, 2020 | Deed of Trust, Mortgage · VA Mortgage AFI FIN'L |
| Aug 29, 2018 | Warranty Deed, Transfer · ARM AFI FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on Record |
| Deed Sale | Oct 26, 2021 · Amount on Record |
| Prior Sale | Aug 29, 2018 · Amount on Record |
| Deed Document Number | 202180587 |
| Deed Book / Page | 4075 / 985 |
| Last Transfer Date | Nov 8, 2024 |
| Transfer Doc | 0045071941 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Oct 26, 2021 |
| Property Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Document Number | 0040750985 |
| Book / Page | 4075 / 985 |
| Map Reference | MB 7 PG 45 |
| Instrument Date | Oct 25, 2021 |
| Instrument | 2021080587 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | ORABGE COAST TITLE, ORANGE COAST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,786.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 212 NICARAGUA ST, 212, BEAUFORT, SC 29902-7515 |
| Name | Verified Name |
|---|---|
| Address | 11167 MONARCH ST, SPRING HILL, FL 34609-2705 |
| Document Number | 4075987 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 4075/987 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037260499 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 3726/0499 |
| Instrument | 2019042802 |
| Name | AFI FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77069 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Document Number | 0039211040 |
| Instrument Date | Nov 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4385 5TH ISLE DR HERNANDO BEACH FL 346073130, HERNANDO BEACH, FL 34607-3130 |
| Document Number | 0039211040 |
|---|---|
| Date | Dec 5, 2020 |
| Book Page | 003921/001040 |
| Instrument | 76487 |
| Name | AFI FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | NORTHVILLE, MI 48167 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 4, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 29, 2018 |
| Property Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Document Number | 0036180172 |
| Book / Page | 3618 / 0172 |
| Map Reference | MB7 PG45 |
| Instrument Date | Aug 22, 2018 |
| Instrument | 2018052683 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,778.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 678 LOWELL ST, 678, METHUEN, MA 01844-1819 |
| Name | Verified Name |
|---|---|
| Address | 4385 5TH ISLE DR, HERNANDO BEACH, FL 34607-3130 |
| Document Number | 2018052684 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 2018052684 |
| Name | AFI FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,869.00 (-66.52%) | $246,052 (-33.07%) Land $205,800 Building $40,252 | $246,052 (-33.07%) Land $205,800 Building $40,252 |
| 2023 | $367,626 (+7.3%) Land $165,872 Building $201,754 | ||
| 2022 | $5,583.00 | $342,612 Land $126,060 Building $216,552 | $367,626 Land $161,400 Building $206,226 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 304 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 / 1,000 |
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