Hernando County property record for 14515 Surrey Bend, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,614 sqft · built 2000 |
| Lot Size | 0.338 acres (14,700 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,000 (Aug 2019) |
| Tax Bill | $555 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R02-223-18-3495-0000-0810 |
| Primary APN | R02-223-18-3495-0000-0810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,614 sqft Living Area |
| Gross Area | 3,502 sqft |
| 1st Floor Area | 2,614 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,700 sqft (0.338 acres) |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 300 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,247 sqft |
| Deck Area | 57 sqft |
| Patio Area | 714 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01345967 |
|---|---|
| Street Address | 14515 SURREY BND |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-9516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERTHORN PH 2B LOT 81 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 02 |
| Legal Subdivision | SILVERTHORN PH 2B |
| Legal Lot Number | 81 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 40909 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14515 SURREY BND, SPRING HILL, FL 34609-9516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Aug 9, 2019 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2019 · Amount on Record |
| Deed Sale | Aug 9, 2019 · Amount on Record |
| Prior Sale | Aug 22, 2016 |
| Deed Document Number | 201950215 |
| Deed Book / Page | 3738 / 1027 |
| Prior Transfer Date | Aug 2, 2016 |
| Prior Transfer Doc | 0033890145 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 14515 SURREY BND, SPRING HILL, FL 34609-9516 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 14515 SURREY BND, BROOKSVILLE, FL 34609-9516 |
| Document Number | 0042680543 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 4268/543 |
| Instrument | 2023009758 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Jun 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 9, 2019 |
| Property Address | 14515 SURREY BND, SPRING HILL, FL 34609-9516 |
| Document Number | 0037381027 |
| Book / Page | 003738 / 001027 |
| Instrument Date | Aug 8, 2019 |
| Instrument | 50215 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,198.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14515 SURREY BND SPRING HILL FL 346099516, SPRING HILL, FL 34609-9516 |
| Document Number | 37381028 |
|---|---|
| Date | Aug 9, 2019 |
| Book Page | 003738/001028 |
| Instrument | 50216 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 8, 2034 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $555.00 (+0.36%) Disabled Person's exemption | $276,866 (+5.99%) | $364,453 (-2.82%) Land $63,210 Building $301,243 |
| 2024 | $553.00 | ||
| 2023 | Additional exemption filed | $261,226 Land $261,226 | |
| 2022 | $375,025 Land $63,210 Building $311,815 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 5 (2012–2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WOODARD MANOR private · serves 100 people · EPA ID FL6295177 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Also Mapped Here | HERNANDO CO UTL-WEST |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 189 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 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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