4463 Neptune Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4463 Neptune Dr, Hernando Beach, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1992
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Nov 2022)
Tax Bill	$5,259 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`R12-223-16-2010-0260-0220`

Property Details

APN / Parcel Number

Primary APN	`R12-223-16-2010-0260-0220`
Alternative APNs	`00156547` `156547`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,444 sqft Living Area
1st Floor Area	1,444 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,356 sqft (0.1 acres)
Garage Area	1,444 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	1,216 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00156547
Street Address	4463 NEPTUNE DR
City	HERNANDO BEACH
State	FL
Zip	34607-2944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GULF COAST RET UNIT 4 BLK 26 LOT 22
Legal Range	16E
Legal Township	23S
Legal Section	12
Legal Subdivision	GULF COAST RET UNIT 4
Legal Block	26
Legal Lot Number	22
Legal Unit	4
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2025
Census Tract	41501

Owner

4463 Neptune Dr is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4463 NEPTUNE DR, HERNANDO BEACH, FL 34607-2944
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on File
Deed Sale	Nov 15, 2022 · Amount on File
Prior Sale	May 13, 1999 · Amount on File
Deed Document Number	2022082038
Deed Book / Page	4240 / 1114
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 15, 2022
Property Address	4463 NEPTUNE DR, HERNANDO BEACH, FL 34607-2944
Document Number	0042401114
Book / Page	4240 / 1114
Map Reference	MB 6 PG 95
Instrument Date	Nov 10, 2022
Instrument	2022082038
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7881 OLD MARSH RD, PALM BEACH GARDENS, FL 33418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1210 35TH AVE N, SAINT PETERSBURG, FL 33704-1855

Mortgage

Document Number	0042401116
Date	Nov 15, 2022
Instrument	4240/1116

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4463 Neptune Dr was $5,259 with an additional exemption.

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	$5,259.00 Additional exemption filed	$407,856	$536,084 Land $153,600 Building $382,484
2023		$567,197 (+212.34%) Land $163,980 Building $403,217
2022	$8,614.00 Homeowner's exemption Disabled Person's exemption	$181,596	$567,197 Land $158,400 Building $408,797

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4463 Neptune 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 4463 Neptune Dr is moderate, ranking above 45% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.05% 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 169 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20