4396 5th Isle Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4396 5th Isle Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,814 sqft · built 2003
Lot Size	0.159 acres (6,914 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Feb 2026)
Tax Bill	$9,637 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-2310-0880-0010`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2310-0880-0010`
Alternative APNs	`00163441` `163441`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,814 sqft Living Area
Gross Area	4,432 sqft
1st Floor Area	1,814 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,914 sqft (0.159 acres)
Garage Type	Attached
Garage Area	1,790 sqft
Parking Spaces	6 Parking Spaces
Porch	Screened Porch
Porch Area	828 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00163441
Street Address	4396 5TH ISLE DR
City	HERNANDO BEACH
State	FL
Zip	34607-3129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERNANDO BEACH UNIT 7 BLK 88 LOT 1
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	HERNANDO BEACH UNIT 7
Legal Block	88
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2030
Census Tract	41501

Owner

4396 5th Isle Dr is owned and occupied by two individuals who bought it in February 2026.

Source: Hernando County records, as of March 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 10, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 8, 2021	Personal Representative Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Jun 15, 2021	Deed of Distribution, Transfer ACCOMMODATION
Sep 22, 2020	Warranty Deed, Transfer TROPIC TITLE SERVICES, TROPIC TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Jun 10, 2022 · Amount on File
Deed Document Number	202612025
Deed Book / Page	4672 / 1365
Prior Transfer Date	Jun 10, 2021
Prior Transfer Doc	0040130788
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 26, 2026
Property Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Document Number	0046721365
Book / Page	4672 / 1365
Map Reference	MB 7 PG 45
Instrument Date	Feb 17, 2026
Instrument	2026012025
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	CAPITAL TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13171 DELBARTON ST, SPRING HILL, FL 34609-1022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129

Mortgage

Document Number	0046721367
Date	Feb 26, 2026
Instrument	4672/1367

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 10, 2022
Property Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Document Number	0041821372
Book / Page	4182 / 1372
Map Reference	MB 7 PG 45
Instrument Date	May 23, 2022
Instrument	2022045359
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3528 GULF COAST DR, 3528, HERNANDO BEACH, FL 34607-3108

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1520 SHILOH CHURCH RD, PAULINE, SC 29374-2111

Mortgage

Document Number	0041821375
Date	Jun 10, 2022
Instrument	4182/1375

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

July 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 8, 2021
Property Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Document Number	0040230174
Book / Page	4023 / 174
Map Reference	MB 7 PG 45
Instrument Date	Jul 2, 2021
Instrument	2021050810
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Tax	$3,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4204 FAR WEST BLVD, 4204, AUSTIN, TX 78731-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129

June 2021: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	HERNANDO FL
Recording Date	Jun 15, 2021
Property Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Document Number	0040130788
Book / Page	4013 / 788
Map Reference	MB 7 PG 45
Instrument Date	Jun 10, 2021
Instrument	2021045193
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4204 FAR WEST BLVD, 4204, AUSTIN, TX 78731-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4204 FAR WEST BLVD, AUSTIN, TX 78731-2804

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 22, 2020
Property Address	4396 5TH ISLE DR, HERNANDO BEACH, FL 34607-3129
Document Number	0038900449
Book / Page	003890 / 000449
Instrument Date	Sep 18, 2020
Instrument	58274
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	TROPIC TITLE SERVICES, TROPIC TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$3,080.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4396 5TH ISLE DR HERNANDO BEACH FL 346073129, HERNANDO BEACH, FL 34607-3129

Tax Assessment & Valuation

The 2025 property tax bill for 4396 5th Isle Dr was $9,637 with a homeowner's exemption.

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	$9,637.00 Homeowner's exemption	$682,116	$687,340 Land $177,119 Building $510,221
2023		$684,489 Land $185,278 Building $499,211
2022	$9,794.00		$684,489 Land $182,650 Building $501,839

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

Flood

FEMA maps place 4396 5th Isle Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 4396 5th Isle Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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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