129 Oak Lake Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 129 Oak Lake Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2001
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$222,500 (May 2017)
Tax Bill	$3,028 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R35-223-17-3239-0000-0590`

Property Details

APN / Parcel Number

Primary APN	`R35-223-17-3239-0000-0590`
Alternative APNs	`01049528` `1049528`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,894 sqft Living Area
1st Floor Area	1,894 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,204 sqft (0.9 acres)
Garage Area	610 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	416 sqft
Porch	Porch
Porch Area	1,655 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01049528
Street Address	129 OAK LAKE DR
City	SPRING HILL
State	FL
Zip	34608-6831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAINBOW HILLS ESTATES LOT 59 ORB 598 PG 649
Legal Range	17E
Legal Township	23S
Legal Section	35
Legal Subdivision	RAINBOW HILLS ESTATES
Legal Lot Number	59
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3025
Census Tract	41402

Owner

129 Oak Lake Dr is owned and occupied by an individual who bought it in May 2017.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	129 OAK LAKE DR, SPRING HILL, FL 34608-6831
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
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
May 24, 2017	Warranty Deed, Transfer · Conventional Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2017 · Amount on File
Deed Sale	May 24, 2017 · Amount on File
Prior Sale	Sep 11, 2013 · Amount on File
Deed Document Number	2017029847
Deed Book / Page	3472 / 1280
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	129 OAK LAKE DR, SPRING HILL, FL 34608-6831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038431013
Date	May 26, 2020
Book Page	3843/1013
Instrument	2020031329

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 24, 2017
Property Address	129 OAK LAKE DR, SPRING HILL, FL 34608-6831
Document Number	0034721280
Book / Page	3472 / 1280
Map Reference	MB19 PG43-45
Instrument Date	May 19, 2017
Instrument	2017029847
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	DYNAMIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,557.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7925 HARDWICK DR APT 522, 7925, NEW PORT RICHEY, FL 34653-6278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4504 YALE DR, LAFAYETTE, IN 47905-8444

Mortgage

Document Number	34721282
Date	May 24, 2017
Instrument	3472/1282

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 129 Oak Lake Dr was $3,028 with an additional exemption.

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	$3,028.00 Additional exemption filed	$251,607	$432,290 Land $31,279 Building $401,011
2023		$237,394 Land $237,394
2022	$3,004.00		$410,087 Land $31,279 Building $378,808

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

Flood

FEMA maps place 129 Oak Lake Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 129 Oak Lake Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier, Open Infra.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Lake Dr

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