Hernando County property record for 4505 Flounder Dr, Hernando Beach, FL 34607 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1963 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Aug 2021) |
| Tax Bill | $3,850 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | R12-223-16-2010-0250-0160 |
| Primary APN | R12-223-16-2010-0250-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Gross Area | 1,378 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 96 sqft |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 346 sqft |
| Patio Area | 144 sqft |
| Utility Building | 80 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00156262 |
|---|---|
| Street Address | 4505 FLOUNDER DR |
| City | HERNANDO BEACH |
| State | FL |
| Zip | 34607-2933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF COAST RET UNIT 4 BLK 25 LOTS 16 & S10 FT OF LOT 15 |
| Legal Range | 16E |
| Legal Township | 23S |
| Legal Section | 12 |
| Legal Subdivision | GULF COAST RET UNIT 4 |
| Legal Block | 25 |
| Legal Lot Number | 16,15 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 41501 |
Source: Hernando County records · APN R12-223-16-2010-0250-0160
Assessment roll updated December 8, 2025 · Last verified April 2026
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 |
|---|---|
| Mailing Address | 4505 FLOUNDER DR, HERNANDO BEACH, FL 34607-2933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2021 | Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK |
| Dec 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 03, 2021 · Amount on Record |
| Deed Sale | Aug 03, 2021 · Amount on Record |
| Prior Sale | Dec 21, 2018 · Amount on Record |
| Deed Document Number | 202157847 |
| Deed Book / Page | 4035 / 1373 |
| Prior Transfer Date | Oct 09, 2007 |
| Prior Transfer Doc | 0025031016 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 03, 2021 |
| Property Address | 4505 FLOUNDER DR, HERNANDO BEACH, FL 34607-2933 |
| Document Number | 0040351373 |
| Book / Page | 4035 / 1373 |
| Map Reference | MB 6 PG 95 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2021057847 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2021 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2014 HARBOR COVE WAY, 2014, WINTER GARDEN, FL 34787-5477 |
| Name | Verified Name |
|---|---|
| Address | 4505 FLOUNDER DR, HERNANDO BEACH, FL 34607-2933 |
| Document Number | 40351375 |
|---|---|
| Date | Aug 03, 2021 |
| Instrument | 4035/1375 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Dec 21, 2018 |
| Property Address | 4505 FLOUNDER DR, HERNANDO BEACH, FL 34607-2933 |
| Document Number | 0036541323 |
| Book / Page | 3654 / 1323 |
| Map Reference | MB 6 PG 95&95A-95C |
| Instrument Date | Dec 17, 2018 |
| Instrument | 2018076481 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2021 |
| Title Company | SOUTHERN SECUTITY SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,431.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4505 FLOUDER DRIVE, HERNANDO BEACH, FL 34607-2933 |
| Document Number | 2018076484 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 2018076484 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,850.00 (+1.37%) Homeowner's exemption | $276,751 (-4.46%) Land $178,500 Building $98,251 | $276,751 (-4.46%) Land $178,500 Building $98,251 |
| 2023 | $289,659 (+10.65%) Land $187,978 Building $101,681 | ||
| 2022 | $3,798.00 | $261,770 Land $138,180 Building $123,590 | $289,659 Land $184,100 Building $105,559 |
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
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 412 individual NFIP policies nearby |
| 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, rainfall accumulation, Hurricane Milton |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 45% of the US · above 15% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 per year |
| Exposure | Indirect within 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 169 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WOW Internet, Cable & Phone | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 50 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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