2245 Arrow Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 2245 Arrow Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,721 sqft · built 1999
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Sep 2022)
Tax Bill	$3,040 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0902-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0902-0110`
Alternative APNs	`00464198` `464198`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,721 sqft Living Area
1st Floor Area	1,721 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	361 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	899 sqft
Deck Area	60 sqft
Patio Area	321 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00464198
Street Address	2245 ARROW AVE
City	SPRING HILL
State	FL
Zip	34609-5110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 902 LOT 11
Legal Range	18E
Legal Township	23S
Legal Section	22
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	902
Legal Lot Number	11
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1017
Census Tract	40906

Owner

Source: Hernando County assessment roll, as of October 31, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 28, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 7, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
May 18, 2020	Warranty Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 7, 2022 · Amount on Record
Deed Sale	Sep 7, 2022 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	2022067227
Deed Book / Page	4217 / 788
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Investor	Possibly a Property Investor

Mortgage

Document Number	0041271197
Date	Feb 15, 2022
Book Page	4127/1197
Instrument	2022012013

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Investor	Possibly a Property Investor

Mortgage

Document Number	0040041417
Date	May 28, 2021
Book Page	4004/1417
Instrument	2021039880

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 7, 2022
Property Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Document Number	0042170788
Book / Page	4217 / 788
Map Reference	MB 8 PG 84
Instrument Date	Aug 31, 2022
Instrument	2022067227
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	167 JONES LOOP, 167, SPRINGVILLE, TN 38256-4907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110

Mortgage

Document Number	0004217790
Date	Sep 7, 2022
Instrument	4217/790

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 18, 2020
Property Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110
Document Number	0038410528
Book / Page	3841 / 528
Map Reference	MB 8 PG 84
Instrument Date	May 13, 2020
Instrument	2020030041
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,473.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1289 WOODHAVEN ST, 1289, HUMBOLDT, TN 38343-2155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 ARROW AVE, SPRING HILL, FL 34609-5110

Mortgage

Document Number	3841530
Date	May 18, 2020
Instrument	3841/530

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$3,040.00 (-5.82%) Additional exemption filed	$252,447 (+0.11%) Land $37,500 Building $214,947	$252,447 (+0.11%) Land $37,500 Building $214,947
2023		$252,172 (+56.08%) Land $50,241 Building $201,931
2022	$3,228.00 Homeowner's exemption Disabled Person's exemption	$161,561	$252,172 Land $32,000 Building $220,172

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2011–2024)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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

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 344 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
Tillman Global Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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