1099 Overland Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 1099 Overland Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,839 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$165,200 (Jan 2021)
Tax Bill	$3,029 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R31-223-18-3501-0000-6970`

Property Details

APN / Parcel Number

Primary APN	`R31-223-18-3501-0000-6970`
Alternative APNs	`01319843` `1319843`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
1st Floor Area	1,839 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Area	666 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01319843
Street Address	1099 OVERLAND DR
City	SPRING HILL
State	FL
Zip	34608-9424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLFERS CLUB EST UNIT 11 LOT 697
Legal Range	18E
Legal Township	23S
Legal Section	30
Legal Subdivision	GOLFERS CLUB EST UNIT 11
Legal Lot Number	697
Legal Unit	11
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1000
Census Tract	40901

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
May 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Feb 11, 2022	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 7, 2021	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Feb 15, 2017	Warranty Deed, Transfer · FHA Mortgage STONEGATE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Prior Sale	Feb 15, 2017 · Amount on Record
Deed Document Number	2021001094
Deed Book / Page	3935 / 1890
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424

Mortgage

Document Number	0041740946
Date	May 20, 2022
Book Page	4174/946
Instrument	2022040133

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	FINKSBURG, MD 21048

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424

Mortgage

Document Number	0041740933
Date	May 20, 2022
Book Page	4174/933
Instrument	2022040132

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424

Mortgage

Document Number	0041260724
Date	Feb 11, 2022
Book Page	4126/724
Instrument	2022011318

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 7, 2021
Property Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Document Number	0039351890
Book / Page	3935 / 1890
Map Reference	MB 30 PG 29-31
Instrument Date	Dec 23, 2020
Instrument	2021001094
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE/THE SUNCOAST, SOUTHEAST TITLE OF SUNCOAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,156.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8989 SYMMES TRACE CT, 8989, LOVELAND, OH 45140-7720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424

Mortgage

Document Number	39351892
Date	Jan 7, 2021
Instrument	3935/1892

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 15, 2017
Property Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424
Document Number	0034391452
Book / Page	3439 / 1452
Map Reference	MB30 PG29&31
Instrument Date	Jan 27, 2017
Instrument	2017008759
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE OF THE SUNCO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,179.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13425 RANCH ROAD 620 N # N316, 13425, AUSTIN, TX 78717-1000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 OVERLAND DR, SPRING HILL, FL 34608-9424

Mortgage

Document Number	34391455
Date	Feb 15, 2017
Instrument	3439/1455

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$3,029.00 (+0.8%) Additional exemption filed	$251,660 (+5.99%)	$373,253 (+3.08%) Land $39,795 Building $333,458
2023		$237,445 (+3%) Land $237,445
2022	$3,005.00 Homeowner's exemption	$230,529	$362,101 Land $39,795 Building $322,306

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force

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	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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