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4492 Neptune Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4492 Neptune Dr, Hernando Beach, FL 34607

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,020 sqft · built 1962
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on Record
Last Sale$267,000 (Dec 2020)
Tax Bill$3,689 (2025)
Deeds & MortgagesJun 2021 Transfer
Dec 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APNR12-223-16-2010-0260-0080

Property Details

APN / Parcel Number

Primary APNR12-223-16-2010-0260-0080
Alternative APNs
  • 00156404
  • 156404

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,020 sqft Living Area
1st Floor Area840 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1997
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,356 sqft (0.1 acres)

Exterior Amenities

PorchOpen Porch
Porch Area470 sqft
Patio Area144 sqft
Utility Building48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00156404
Street Address4492 NEPTUNE DR
CityHERNANDO BEACH
StateFL
Zip34607-2943
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 4 BLK 26 LOT 8
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 4
Legal Block26
Legal Lot Number8
Legal Unit4
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2025
Census Tract41501

Owner

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 RecordIndividual Name on Record
Mailing Address4492 NEPTUNE DR, HERNANDO BEACH, FL 34607-2943
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 7, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Dec 28, 2020Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MTG
Aug 18, 2017Warranty Deed, Transfer
GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 28, 2020 · Amount on Record
Deed SaleDec 28, 2020 · Amount on Record
Prior SaleAug 18, 2017 · Amount on Record
Deed Document Number0039310968
Deed Book / Page003931 / 000968
Last Transfer DateJun 7, 2021
Transfer Doc0040090399
Record UpdatedJun 8, 2026

June 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateJun 7, 2021
Property Address4492 NEPTUNE DR, HERNANDO BEACH, FL 34607-2943
Document Number0040090399
Book / Page4009 / 399
Instrument DateMay 27, 2021
Instrument2021042522
Transaction TypeTransfer
Record UpdatedDec 7, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6252 COMMERCIAL WAY # 105, 105, WEEKI WACHEE, FL 34613-6329

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateDec 28, 2020
Property Address4492 NEPTUNE DR, HERNANDO BEACH, FL 34607-2943
Document Number0039310968
Book / Page003931 / 000968
Instrument DateDec 23, 2020
Instrument81383
Transaction TypeTransfer
Record UpdatedFeb 9, 2021
Title CompanyGULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,869.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4492 NEPTUNE DR HERNANDO BEACH FL 346072943, HERNANDO BEACH, FL 34607-2943

Mortgage

Document Number39310970
DateDec 28, 2020
Book Page003931/000970
Instrument81384
Lender
NameCROSSCOUNTRY MTG
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 27, 2050

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateAug 18, 2017
Property Address4492 NEPTUNE DR, HERNANDO BEACH, FL 34607-2943
Document Number0034990360
Book / Page003499 / 000360
Instrument DateAug 9, 2017
Instrument47631
Transaction TypeTransfer
Record UpdatedSep 25, 2017
Title CompanyGULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transaction

AmountAmount Recorded
Tax$595.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4287 BELLAIRE DR HERNANDO BEACH FL 346073202, HERNANDO BEACH, FL 34607-3202

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,689.00 (+4.36%)$238,498 (+21%)$284,015 (+0.51%) Land $159,420 Building $124,595
2023$197,105 Land $85,209 Building $111,896
2022$3,535.00$282,565 Land $164,400 Building $118,165

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 412 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies412 in force
Nearby Flood Claims1,071 (1979–2024)
Claims Outside the SFHA6 of 1,071
Most Recent ClaimOct 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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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

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