4389 8th Isle Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4389 8th Isle Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,361 sqft · built 2001
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Apr 2019)
Tax Bill	$6,536 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-2310-0910-0090`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2310-0910-0090`
Alternative APNs	`00163851` `163851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,361 sqft Living Area
1st Floor Area	1,689 sqft
Upper Floors Area	672 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	1,504 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	1,056 sqft
Deck Area	300 sqft
Patio Area	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00163851
Street Address	4389 8TH ISLE DR
City	HERNANDO BEACH
State	FL
Zip	34607-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 7 BLK 91 LOT 9
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	HERNANDO BEACH UNIT 7
Legal Block	91
Legal Lot Number	9
Legal Unit	7
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2030
Census Tract	41501

Owner

Source: Hernando County records, as of December 10, 2025

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	2 Individual Names on Record
Mailing Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Aug 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage AXOS BANK
Nov 30, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Nov 30, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 26, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Prior Sale	Aug 2, 1999 · Amount on Record
Deed Document Number	2019025570
Deed Book / Page	3696 / 1139
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045

Mortgage

Document Number	0043670567
Date	Nov 27, 2023
Book Page	4367/567
Instrument	2023074404

Lender

Name	BELL BANK
Type	Bank
Address	OSSEO, MN 55369

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 2, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045

Mortgage

Document Number	0040381045
Date	Aug 9, 2021
Book Page	4038/1045
Instrument	2021059498

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2031

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 30, 2020
Property Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Document Number	0039181093
Book / Page	003918 / 001093
Instrument Date	Nov 30, 2020
Instrument	74854
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4389 8TH ISLE DR HERNANDO BEACH FL 346073045, HERNANDO BEACH, FL 34607-3045

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 30, 2020
Property Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Document Number	0039181091
Book / Page	003918 / 001091
Instrument Date	Nov 30, 2020
Instrument	74853
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4389 8TH ISLE DR HERNANDO BEACH FL 346073045, HERNANDO BEACH, FL 34607-3045

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 26, 2019
Property Address	4389 8TH ISLE DR, HERNANDO BEACH, FL 34607-3045
Document Number	0036961139
Book / Page	003696 / 001139
Instrument Date	Apr 18, 2019
Instrument	25570
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4389 8TH ISLE DR HERNANDO BEACH FL 346073045, HERNANDO BEACH, FL 34607-3045

Mortgage

Document Number	36961141
Date	Apr 26, 2019
Book Page	003696/001141
Instrument	25571

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 25, 2034

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$6,536.00 (+0.17%) Additional exemption filed	$497,321 (+5.99%)	$735,652 (-3.17%) Land $274,400 Building $461,252
2023		$469,228 Land $469,228
2022	$6,525.00		$759,750 Land $215,200 Building $544,550

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	13.0 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	Low lower than 93% 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.

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 215 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

May also be available: Verizon.

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