1040 Marlow Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 1040 Marlow Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 894 sqft · built 1972
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Sep 2021)
Tax Bill	$1,567 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5020-0126-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5020-0126-0070`
Alternative APNs	`00231804` `231804`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	894 sqft Living Area
Gross Area	954 sqft
1st Floor Area	894 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1986
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Porch	Screened Porch
Porch Area	60 sqft
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00231804
Street Address	1040 MARLOW AVE
City	SPRING HILL
State	FL
Zip	34606-5852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 2 BLK 126 LOT 7 ORB 295 PG 446
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 2
Legal Block	126
Legal Lot Number	7
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2006
Census Tract	41401

Owner

Source: Hernando County records, as of December 8, 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 Record
Mailing Address	1040 MARLOW AVE, SPRING HILL, FL 34606-5852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Warranty Deed, Transfer · Conventional Mortgage GVC MORTGAGE INC
Aug 1, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 20, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	202169777
Deed Book / Page	4056 / 929
Prior Transfer Date	Oct 8, 2004
Prior Transfer Doc	0019190780
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 16, 2021
Property Address	1040 MARLOW AVE, SPRING HILL, FL 34606-5852
Document Number	0040560929
Book / Page	4056 / 929
Map Reference	MB 7 PG 65
Instrument Date	Sep 15, 2021
Instrument	2021069777
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	GULF COAST TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2100 SPRING LAKE HWY, BROOKSVILLE, FL 34602-8294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 MARLOW AVE, SPRING HILL, FL 34606-5852

Mortgage

Document Number	0004056930
Date	Sep 16, 2021
Instrument	4056/930

Lender

Name	GVC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 1, 2018
Property Address	1040 MARLOW AVE, SPRING HILL, FL 34606-5852
Document Number	0036091257
Book / Page	3609 / 1257
Map Reference	MB7 PG65
Instrument Date	Jul 19, 2018
Instrument	2018046747
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	AFFINITY TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 101, GLENBURN, ND 58740-0101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6160 KELVIN CT, BROOKSVILLE, FL 34606-5616

Mortgage

Document Number	2018046748
Date	Aug 1, 2018
Instrument	2018046748

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 20, 2017
Property Address	1040 MARLOW AVE, SPRING HILL, FL 34606-5852
Document Number	0034800706
Book / Page	003480 / 000706
Instrument Date	Jun 19, 2017
Instrument	34838
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1040 MARLOW AVE SPRING HILL FL 346065852, SPRING HILL, FL 34606-5852

Mortgage

Document Number	34800708
Date	Jun 20, 2017
Book Page	003480/000708
Instrument	34839

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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	$1,567.00 (+86.1%) Homeowner's exemption	$100,759 (+5.99%)	$106,202 (-1.32%) Land $31,481 Building $74,721
2023		$95,067 (+3%) Land $23,131 Building $71,936
2022	$842.00 Homeowner's exemption	$92,298 Land $22,770 Building $69,528	$107,626 Land $34,500 Building $73,126

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Aug 1983 · tidal / storm surge

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 Risk	Not rated no burnable land 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 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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