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4499 Bahama Dr, Hernando Beach (Spring Hill), FL 34607 Property Records

Hernando County property record for 4499 Bahama Dr, Hernando Beach, FL 34607 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 958 sqft · built 1975
Lot Size0.154 acres (6,700 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Jan 2026)
Tax Bill$4,196 (2025)
Deeds & MortgagesOct 2023 Line of Credit
Mar 2026 Transfer
+ 2 more
Flood ZoneZone AE (high risk)
APNR12-223-16-2010-0440-0030

Property Details

APN / Parcel Number

Primary APNR12-223-16-2010-0440-0030
Alternative APNs
  • 00158313
  • 158313

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area958 sqft Living Area
Gross Area1,523 sqft
1st Floor Area958 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1985
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,700 sqft (0.154 acres)
Garage TypeAttached
Garage Area260 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchScreened Porch
Porch Area305 sqft
Patio Area140 sqft
Utility Building140 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00158313
Street Address4499 BAHAMA DR
CityHERNANDO BEACH
StateFL
Zip34607-2802
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGULF COAST RET UNIT 4 BLK 44 LOT 3 OR 308 PG 177
Legal Range16E
Legal Township23S
Legal Section12
Legal SubdivisionGULF COAST RET UNIT 4
Legal Block44
Legal Lot Number3
JurisdictionHERNANDO FL
Township / Civil DivisionHERNANDO BEACH
Census Block Group2
Census Block2028
Census Tract41501

Owner

Source: Hernando County records · APN R12-223-16-2010-0440-0030

Assessment roll updated December 8, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2023Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Mar 18, 2026Correction Deed
REIGHARD LAW & TITLE PLLC
Jan 14, 2026Warranty Deed, Transfer · Conventional Mortgage
BRANNEN BANK
Nov 06, 2020Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 14, 2026 · Amount on Record
Deed SaleJan 14, 2026 · Amount on Record
Prior SaleApr 20, 2004 · Amount on Record
Deed Document Number20262337
Deed Book / Page4656 / 1998
Prior Transfer DateJan 12, 2026
Prior Transfer Doc0000018099
Record UpdatedSep 20, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802
Transaction TypeMortgage
Record UpdatedFeb 11, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address7940 JONES BRANCH DR, TYSONS, VA 22102-3381

Mortgage

Document Number0043590401
DateOct 27, 2023
Book Page4359/401
Instrument2023068969
Lender
NamePENTAGON FCU
TypeCredit Union
AddressDALLAS, TX 75211
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 27, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2026: Correction Deed

Document TypeCorrection Deed
JurisdictionHERNANDO FL
Recording DateMar 18, 2026
Property Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802
Document Number0046830938
Book / Page4683 / 938
Map ReferenceMB 6 PG 95
Instrument DateJan 12, 2026
Instrument2026018099
Record UpdatedApr 21, 2026
Title CompanyREIGHARD LAW & TITLE PLLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address1758 LAKE RIDGE DR, LADY LAKE, FL 32162-3179

Transferred To (Grantee/Buyer)

NameVerified Name
Address4477 BAHAMA DR, HERNANDO BEACH, FL 34607-2802

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJan 14, 2026
Property Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802
Document Number0046561998
Book / Page4656 / 1998
Map ReferenceMB 6 PG 95
Instrument DateDec 31, 2025
Instrument2026002337
Transaction TypeTransfer
Record UpdatedFeb 11, 2026
Title CompanyUNKNOWN, REIGHARD LAW & TITLE PLLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1758 LAKE RIDGE DR, THE VILLAGES, FL 32162-3179

Transferred To (Grantee/Buyer)

NameVerified Name
Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802

Mortgage

Document Number0000046571
DateJan 14, 2026
Instrument4657/1
Lender
NameBRANNEN BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2056

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address4499 BAHAMA DR, HERNANDO BEACH, FL 34607-2802
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1758 LAKE RIDGE DR, THE VILLAGES, FL 32162-3179

Mortgage

Document Number0039091267
DateNov 06, 2020
Book Page3909/1267
Instrument2020069998
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 19, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,196.00 (+14.43%)$246,860 (+21%)$280,267 (-4.61%) Land $171,940 Building $108,327
2023$204,016 Land $92,151 Building $111,865
2022$3,667.00$293,825 Land $177,300 Building $116,525

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530415012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation12.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 412 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Helene, Sep 2024 · 342 claims
  • Hurricane Idalia, Sep 2023 · 115 claims
  • Tropical Storm Josephine, Oct 1996 · 84 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 304 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
WOW Internet, Cable & PhoneFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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