2395 Gallagher Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 2395 Gallagher Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,419 sqft · built 1984
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Feb 2017)
Tax Bill	$972 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Apr 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1438-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1438-0060`
Alternative APNs	`00312931` `312931`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,419 sqft Living Area
1st Floor Area	1,419 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
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	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00312931
Street Address	2395 GALLAGHER AVE
City	SPRING HILL
State	FL
Zip	34606-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1438 LOT 6 OR 308 PG 219
Legal Range	17E
Legal Township	23S
Legal Section	23
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1438
Legal Lot Number	6
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3001
Census Tract	41303

Owner

2395 Gallagher Ave is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
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
Mar 28, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST LIBERTY FINANCIAL GROUP LLC
Apr 24, 2019	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK
Apr 1, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Feb 13, 2017	Warranty Deed, Transfer SOUTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2017 · Amount on File
Deed Sale	Feb 13, 2017 · Amount on File
Prior Sale	Sep 9, 2011
Deed Document Number	2017008056
Deed Book / Page	3438 / 1674
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034521217
Date	Mar 28, 2017
Book Page	3452/1217
Instrument	2017017181

Lender

Name	FIRST LIBERTY FINANCIAL GROUP LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
Document Number	0036970364
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2395 GALLAGHER AVE SPRING HILL FL 346063248, SPRING HILL, FL 34606-3248

Mortgage

Document Number	0036970364
Date	Apr 29, 2019
Book Page	003697/000364
Instrument	25893

Lender

Name	FLAGSTAR BK
Type	Bank
Address	CARROLLTON, TX 75006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Interest

Rate	4.87%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
Document Number	0036970374
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2395 GALLAGHER AVE SPRING HILL FL 346063248, SPRING HILL, FL 34606-3248

Mortgage

Document Number	0036970374
Date	Apr 29, 2019
Book Page	003697/000374
Instrument	25894

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
Document Number	0034521227
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2395 GALLAGHER AVE SPRING HILL FL 346063248, SPRING HILL, FL 34606-3248

Mortgage

Document Number	0034521227
Date	Mar 28, 2017
Book Page	003452/001227
Instrument	17182

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	BROOKSVILLE, FL 34601-2800

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 13, 2017
Property Address	2395 GALLAGHER AVE, SPRING HILL, FL 34606-3248
Document Number	0034381674
Book / Page	003438 / 001674
Instrument Date	Feb 8, 2017
Instrument	8056
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$749.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2395 GALLAGHER AVE SPRING HILL FL 346063248, SPRING HILL, FL 34606-3248

Tax Assessment & Valuation

The 2025 property tax bill for 2395 Gallagher Ave was $972 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	$972.00 Additional exemption filed	$107,554	$200,026 Land $38,000 Building $162,026
2023		$101,479 Land $101,479
2022	$940.00		$190,620 Land $32,500 Building $158,120

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

Flood

FEMA maps place 2395 Gallagher Ave 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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 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

The area around 2395 Gallagher Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Tillman Fiber, WOW Internet, Cable & Phone.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gallagher Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures