2980 Harrow Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 2980 Harrow Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,256 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Nov 2023)
Tax Bill	$3,906 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1441-0090`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1441-0090`
Alternative APNs	`00313262` `313262`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
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	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	10 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00313262
Street Address	2980 HARROW RD
City	SPRING HILL
State	FL
Zip	34608-4429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1441 LOT 9 ORB 350 PG 958
Legal Range	17E
Legal Township	23S
Legal Section	23
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1441
Legal Lot Number	9
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1026
Census Tract	41103

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	2980 HARROW RD, SPRING HILL, FL 34608-4429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Feb 7, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 7, 2020	Loan Modification, Mortgage · FHA Mortgage FIRST GUARANTY MTG
Jan 11, 2018	Loan Modification, Mortgage · FHA Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Prior Sale	Aug 8, 2012 · Amount on Record
Deed Document Number	2023072547
Deed Book / Page	4364 / 462
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 15, 2023
Property Address	2980 HARROW RD, SPRING HILL, FL 34608-4429
Document Number	0043640462
Book / Page	4364 / 462
Map Reference	MB 9 PG 81
Instrument Date	Nov 10, 2023
Instrument	2023072547
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2137 ARBUCKLE RD, SPRING HILL, FL 34608-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 HARROW RD, SPRING HILL, FL 34608-4429

Mortgage

Document Number	0004364464
Date	Nov 15, 2023
Instrument	4364/464

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jan 1, 2034
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year T-Bill
Max Rate	12.7%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2980 HARROW RD, SPRING HILL, FL 34608-4429
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 HARROW RD, SPRING HILL, FL 34608-4429

Mortgage

Document Number	0042641390
Date	Feb 7, 2023
Book Page	4264/1390
Instrument	2023007317

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Nov 1, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	2980 HARROW RD, SPRING HILL, FL 34608-4429
Document Number	0039110762
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 HARROW RD SPRING HILL FL 346084429, SPRING HILL, FL 34608-4429

Mortgage

Document Number	0039110762
Date	Nov 13, 2020
Book Page	003911/000762
Instrument	71082

Lender

Name	FIRST GUARANTY MTG
Type	Mortgage Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	2980 HARROW RD, SPRING HILL, FL 34608-4429
Document Number	0035470317
Instrument Date	Jan 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 HARROW RD SPRING HILL FL 346084429, SPRING HILL, FL 34608-4429

Mortgage

Document Number	0035470317
Date	Jan 26, 2018
Book Page	003547/000317
Instrument	5069

Lender

Name	FIRST GUARANTY MTG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

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	$3,906.00 (+336.42%) Additional exemption filed	$313,093 (+202.36%) Land $38,000 Building $275,093	$313,093 (+13.1%) Land $38,000 Building $275,093
2023		$103,551 (+3%) Land $103,551
2022	$895.00 Homeowner's exemption	$100,535	$276,840 Land $32,500 Building $244,340

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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	Low lower than 98% of the US · lower than 97.6% 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 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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