Hernando County property record for 4492 Gulfstream Dr, Hernando Beach, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 760 sqft · built 1970 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,000 (Nov 2022) |
| Tax Bill | $465 (2024) |
| Deeds & Mortgages | Feb 2024 Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R12-223-16-2010-0410-0190 |
| Primary APN | R12-223-16-2010-0410-0190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 760 sqft Living Area |
| 1st Floor Area | 760 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 222 sqft |
| Patio Area | 160 sqft |
| Utility Building | 160 sqft |
| Heating System | HVAC |
|---|
| Account Number | 00157760 |
|---|---|
| Street Address | 4492 GULFSTREAM DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-2827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 4 BLK 41 LOT 19 ORB 424 PG 1113 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 4 |
| Legal Block | 41 |
| Legal Lot Number | 19 |
| Legal Unit | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 41501 |
Source: Hernando County assessment roll, as of October 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Nov 7, 2022 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 7, 2022 · Amount on Record |
| Deed Sale | Nov 7, 2022 · Amount on Record |
| Deed Document Number | 2022080695 |
| Deed Book / Page | 4238 / 996 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Document Number | 0043960663 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 4396/663 |
| Instrument | 2024012079 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85257 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 7, 2022 |
| Property Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Document Number | 0042380996 |
| Book / Page | 4238 / 996 |
| Map Reference | MB 6 PG 95 |
| Instrument Date | Nov 4, 2022 |
| Instrument | 2022080695 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2022 |
| Title Company | SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11299 BEEBALM CIR, 11299, LAKEWOOD RANCH, FL 34202-2881 |
| Name | Verified Name |
|---|---|
| Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Document Number | 0042381000 |
|---|---|
| Date | Nov 7, 2022 |
| Instrument | 4238/1000 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
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 | $290,812 (+6.86%) | $334,440 (+22.89%) Land $258,750 Building $75,690 | |
| 2024 | $465.00 | ||
| 2023 | Additional exemption filed | $272,148 (+235.39%) Land $205,446 Building $66,702 | |
| 2022 | $2,254.00 Homeowner's exemption | $81,143 | $272,148 Land $203,250 Building $68,898 |
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.
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 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 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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