2109 Deborah Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 2109 Deborah Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,516 sqft · built 1981
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Oct 2022)
Tax Bill	$691 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0496-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0496-0030`
Alternative APNs	`00443434` `443434`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,516 sqft Living Area
Gross Area	2,148 sqft
1st Floor Area	1,516 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	250 sqft
Porch	Open Porch
Porch Area	826 sqft
Deck Area	20 sqft
Patio Area	344 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00443434
Street Address	2109 DEBORAH DR
City	SPRING HILL
State	FL
Zip	34609-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 496 LOT 3 ORB 2674 PG 354
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	496
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2056
Census Tract	41106

Owner

Source: Hernando County records, as of February 4, 2026

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
Mailing Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 2, 2020	Warranty Deed, Transfer · FHA Mortgage KELLER MORTGAGE LLC
Dec 3, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Feb 5, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Sep 27, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2022 · Amount on Record
Deed Sale	Oct 12, 2022 · Amount on Record
Prior Sale	Apr 2, 2020 · Amount on Record
Deed Document Number	202274814
Deed Book / Page	4229 / 745
Prior Transfer Date	Jul 14, 2009
Prior Transfer Doc	0026740354
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 12, 2022
Property Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Document Number	0042290745
Book / Page	4229 / 745
Map Reference	MB 8 PG 38-53
Instrument Date	Oct 6, 2022
Instrument	2022074814
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6150 WAYCROSS DR, 6150, SPRING HILL, FL 34606-4652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827

Mortgage

Document Number	0004229747
Date	Oct 12, 2022
Instrument	4229/747

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 2, 2020
Property Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Document Number	0038251477
Book / Page	3825 / 1477
Map Reference	MB 8 PG 38-53
Instrument Date	Apr 1, 2020
Instrument	2020021446
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827

Mortgage

Document Number	38251479
Date	Apr 2, 2020
Instrument	3825/1479

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 3, 2019
Property Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Document Number	0037791455
Book / Page	003779 / 001455
Instrument Date	Nov 27, 2019
Instrument	75638
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,093.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 5, 2018
Property Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Document Number	0035491983
Book / Page	003549 / 001983
Instrument Date	Jan 30, 2018
Instrument	6884
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,014.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 DEBORAH DR SPRING HILL FL 346093827, SPRING HILL, FL 34609-3827

Mortgage

Document Number	35500001
Date	Feb 5, 2018
Book Page	003550/000001
Instrument	6885

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 27, 2017
Property Address	2109 DEBORAH DR, SPRING HILL, FL 34609-3827
Document Number	0035100202
Book / Page	003510 / 000202
Instrument Date	Sep 22, 2017
Instrument	54426
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$675.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2212 E WILLIAMS FIELD RD #11 GILBERT AZ 852950771, 11, GILBERT, AZ 85295-0771
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$691.00 (+1.62%) Disabled Person's exemption	$218,063 (+5.59%)	$219,488 (+6.28%) Land $42,000 Building $177,488
2024	$680.00 (-78.32%)
2023		$206,525 Land $36,683 Building $169,842
2022	$3,136.00		$206,525 Land $29,000 Building $177,525

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022

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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 314 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 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Tillman Fiber.

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