2406 Gallagher Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 2406 Gallagher Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,525 sqft · built 1981
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Oct 2025)
Tax Bill	$690 (2025)
Deeds & Mortgages	Oct 2025 Sale Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1437-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1437-0040`
Alternative APNs	`00312726` `312726`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,525 sqft Living Area
1st Floor Area	1,525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
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	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,221 sqft
Deck Area	90 sqft
Patio Area	153 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00312726
Street Address	2406 GALLAGHER AVE
City	SPRING HILL
State	FL
Zip	34606-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1437 LOT 4 ORB 288 PG 586 ORB 287 PG 671
Legal Range	17E
Legal Township	23S
Legal Section	23
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1437
Legal Lot Number	4
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3000
Census Tract	41303

Owner

Source: Hernando County records, as of December 10, 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 Record
Mailing Address	4249 DRUMMOND AVE, SPRING HILL, FL 34608-3847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 11, 2021	Deed of Trust, Mortgage · Line of Credit GTE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Jul 3, 2013 · Amount on Record
Deed Document Number	2025068607
Deed Book / Page	4616 / 1555
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 1, 2025
Property Address	2406 GALLAGHER AVE, SPRING HILL, FL 34606-3249
Document Number	0046161555
Book / Page	4616 / 1555
Map Reference	MB 9 PG 81
Instrument Date	Sep 24, 2025
Instrument	2025068607
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3552 HEATHERWOOD DR, HAMBURG, NY 14075-2105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4249 DRUMMOND AVE, SPRING HILL, FL 34608-3847

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2406 GALLAGHER AVE, SPRING HILL, FL 34606-3249
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2406 GALLAGHER AVE, SPRING HILL, FL 34606-3249

Mortgage

Document Number	0040671602
Date	Oct 11, 2021
Book Page	4067/1602
Instrument	2021076018

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$690.00 (-49.3%) Additional exemption filed	$87,807 (+2.9%)	$191,751 (+2.59%) Land $38,000 Building $153,751
2024	$1,361.00 (+107.15%) Additional exemption filed	$85,332 (+3%)	$186,909 (+1.57%) Land $33,000 Building $153,909
2023		$82,847 (+3%) Land $82,847
2022	$657.00 Homeowner's exemption	$80,434	$184,011 Land $32,500 Building $151,511

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 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

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

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