Hernando County property record for 4445 Jacona Dr, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,416 sqft · built 2019 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (May 2016) |
| Tax Bill | $11,846 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | R12-223-16-2010-0420-0110 |
| Primary APN | R12-223-16-2010-0420-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,416 sqft Living Area |
| 1st Floor Area | 2,416 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Mixed |
| Garage Area | 244 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,862 sqft |
| Patio Area | 570 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00157975 |
|---|---|
| Street Address | 4445 JACONA DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-2836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 4 BLK 42 LOTS 11 & 12 ORB 342 PG 335 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 4 |
| Legal Block | 42 |
| Legal Lot Number | 11-12 12 |
| Legal Unit | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 41501 |
Source: Hernando County records, as of December 10, 2025
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 | 4445 JACONA DR, HERNANDO BEACH, FL 34607-2836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Dec 27, 2019 | Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jun 7, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage BRANNEN BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2016 · Amount on Record |
| Deed Sale | May 5, 2016 · Amount on Record |
| Prior Sale | Jan 11, 2011 |
| Deed Document Number | 2016025339 |
| Deed Book / Page | 3357 / 0037 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4445 JACONA DR, HERNANDO BEACH, FL 34607-2836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | PREMIUM TITLE |
| Name | Verified Name |
|---|---|
| Address | 4445 JACONA DR, HERNANDO BEACH, FL 34607-2836 |
| Document Number | 0039110107 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 3911/107 |
| Instrument | 2020070933 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4445 JACONA DR, HERNANDO BEACH, FL 34607-2836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0037890046 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 3789/0046 |
| Instrument | 2019081115 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 7, 2018 |
| Property Address | 4445 JACONA DR, HERNANDO BEACH, FL 34607-2836 |
| Document Number | 0035911542 |
| Book / Page | 003591 / 001542 |
| Instrument Date | Jun 6, 2018 |
| Instrument | 35105 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 10, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 24915 AUBURN BEND DR SPRING TX 773894356, SPRING, TX 77389-4356 |
| Document Number | 35911542 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 003591/001542 |
| Instrument | 35105 |
| Name | BRANNEN BK |
|---|---|
| Type | Bank |
| Address | INVERNESS, FL 34451-1929 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 6, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Hernando County assessment roll, as of October 31, 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 | $11,846.00 (-0.04%) Additional exemption filed | $874,286 (+5.99%) | $1,135,621 (-0.77%) Land $499,644 Building $635,977 |
| 2023 | $824,899 (+3%) Land $119,246 Building $705,653 | ||
| 2022 | $11,851.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $800,873 | $1,144,439 Land $394,758 Building $749,681 |
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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