1098 Overland Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 1098 Overland Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,955 sqft · built 2003
Lot Size	0.273 acres (11,891 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jun 2021)
Tax Bill	$3,842 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R31-223-18-3501-0000-6960`

Property Details

APN / Parcel Number

Primary APN	`R31-223-18-3501-0000-6960`
Alternative APNs	`01319834` `1319834`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,955 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	1,955 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,891 sqft (0.273 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	264 sqft
Porch	Open Porch
Porch Area	1,001 sqft
Deck Area	32 sqft
Patio Area	395 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01319834
Street Address	1098 OVERLAND DR
City	SPRING HILL
State	FL
Zip	34608-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLFERS CLUB EST UNIT 11 LOT 696
Legal Range	18E
Legal Township	23S
Legal Section	31
Legal Subdivision	GOLFERS CLUB EST UNIT 11
Legal Lot Number	696
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2000
Census Tract	40901

Owner

1098 Overland Dr is owned and occupied by two individuals who bought it in June 2021.

Source: Hernando County records, as of May 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK AND TRUST COMPANY
Jun 29, 2021	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Sep 6, 2019	Loan Modification, Mortgage · FHA Mortgage NEWREZ LLC
Sep 6, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2021 · Amount on File
Deed Sale	Jun 29, 2021 · Amount on File
Prior Sale	Jul 6, 2015 · Amount on File
Deed Document Number	202149004
Deed Book / Page	4019 / 1611
Prior Transfer Date	Apr 23, 2007
Prior Transfer Doc	0024311009
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Apr 22, 2026
Property Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423
Document Number	0000026207
Book / Page	4697 / 1968
Instrument Date	Apr 10, 2026
Instrument	202626207
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423

Mortgage

Document Number	0000026207,
Date	Apr 22, 2026
Book Page	4697/1968
Instrument	202626207

Lender

Name	REPUBLIC BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 15, 2036

Interest

Rate	6.11%
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 29, 2021
Property Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423
Document Number	0040191611
Book / Page	4019 / 1611
Map Reference	MB 30 PG 29-31
Instrument Date	Jun 28, 2021
Instrument	2021049004
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	ASSURITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1098 OVERLAND DR, 1098, SPRING HILL, FL 34608-9423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6908 LA SIERRA CT, TAMPA, FL 33615-2936
Investor	Possibly a Property Investor

Mortgage

Document Number	40191612
Date	Jun 29, 2021
Instrument	4019/1612

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423
Document Number	0037531640
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 OVERLAND DR SPRING HILL FL 346089423, SPRING HILL, FL 34608-9423

Mortgage

Document Number	0037531640
Date	Sep 24, 2019
Book Page	003753/001640
Instrument	59735

Lender

Name	NEWREZ LLC
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Interest

Rate	4.37%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1098 OVERLAND DR, SPRING HILL, FL 34608-9423
Document Number	0037531651
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1098 OVERLAND DR SPRING HILL FL 346089423, SPRING HILL, FL 34608-9423

Mortgage

Document Number	0037531651
Date	Sep 24, 2019
Book Page	003753/001651
Instrument	59738

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1098 Overland Dr was $3,842 with a homeowner's exemption.

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	$3,842.00 Homeowner's exemption	$257,508	$368,875 Land $37,278 Building $331,597
2023		$242,962 (+3%) Land $242,962
2022	$3,089.00 Homeowner's exemption	$235,885	$358,425 Land $37,278 Building $321,147

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

Flood

FEMA maps place 1098 Overland Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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

Wildfire risk around 1098 Overland Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 359 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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