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

Hernando County property record for 209 Oak Lake Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,040 sqft · built 1987
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Nov 2018)
Tax Bill	$2,183 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R35-223-17-3239-0000-0240`

Property Details

APN / Parcel Number

Primary APN	`R35-223-17-3239-0000-0240`
Alternative APNs	`01049172` `1049172`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	1,403 sqft
Deck Area	42 sqft
Patio Area	493 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01049172
Street Address	209 OAK LAKE DR
City	SPRING HILL
State	FL
Zip	34608-6829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAINBOW HILLS ESTATES LOT 24 ORB 598 PG 649
Legal Range	17E
Legal Township	23S
Legal Section	35
Legal Subdivision	RAINBOW HILLS ESTATES
Legal Lot Number	24
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3016
Census Tract	41402

Owner

209 Oak Lake Dr is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	209 OAK LAKE DR, SPRING HILL, FL 34608-6829
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on File
Deed Sale	Nov 9, 2018 · Amount on File
Prior Sale	Oct 23, 1998 · Amount on File
Deed Document Number	2018067969
Deed Book / Page	3641 / 1093
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 9, 2018
Property Address	209 OAK LAKE DR, SPRING HILL, FL 34608-6829
Document Number	0036411093
Book / Page	3641 / 1093
Map Reference	MB19 PG43
Instrument Date	Nov 9, 2018
Instrument	2018067969
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	195 CENTER OAK CIR, 195, SPRING HILL, FL 34609-0244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 OAK LAKE DR, SPRING HILL, FL 34608-6829

Mortgage

Document Number	2018067970
Date	Nov 9, 2018
Instrument	2018067970

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 209 Oak Lake Dr was $2,183 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	$2,183.00 Additional exemption filed	$192,374	$285,598 Land $31,464 Building $254,134
2023		$181,507 Land $181,507
2022	$2,155.00		$286,424 Land $31,464 Building $254,960

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

Flood

FEMA maps place 209 Oak Lake 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 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 209 Oak Lake Dr is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 44 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
Starlink Satellite	280 / 30

May also be available: Open Infra.

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