3045 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 3045 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,238 sqft · built 2005
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$229,000 (Mar 2020)
Tax Bill	$2,831 (2025)
Deeds & Mortgages	May 2017 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0602-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0602-0110`
Alternative APNs	`00444781` `444781`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,238 sqft Living Area
1st Floor Area	2,238 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	121 ft deep x 106 ft wide
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	1,240 sqft
Deck Area	204 sqft
Patio Area	532 sqft
Utility Building	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00444781
Street Address	3045 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-3527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 602 LOT 11
Legal Range	18E
Legal Township	23S
Legal Section	20
Legal Subdivision	SPRING HILL UN 9
Legal Block	602
Legal Lot Number	11
Legal Unit	9
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2003
Census Tract	41106

Owner

3045 Lema Dr is owned and occupied by an individual who bought it in March 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3045 LEMA DR, SPRING HILL, FL 34609-3527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2017	Deed of Trust, Mortgage · VA Mortgage JPMORGAN CHASE BANK NA
Mar 20, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 20, 2018	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2020 · Amount on File
Deed Sale	Mar 20, 2020 · Amount on File
Prior Sale	Dec 20, 2018 · Amount on File
Deed Document Number	2020018953
Deed Book / Page	3821 / 1500
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3045 LEMA DR, SPRING HILL, FL 34609-3527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034651620
Date	May 2, 2017
Book Page	3465/1620
Instrument	2017024924

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 20, 2020
Property Address	3045 LEMA DR, SPRING HILL, FL 34609-3527
Document Number	0038211500
Book / Page	3821 / 1500
Map Reference	MB 8 PG 38-53
Instrument Date	Mar 18, 2020
Instrument	2020018953
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8126 BROWN PELICAN AVE, 8126, NEW PORT RICHEY, FL 34653-6502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 LEMA DR, SPRING HILL, FL 34609-3527

Mortgage

Document Number	38211502
Date	Mar 20, 2020
Instrument	3821/1502

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 20, 2018
Property Address	3045 LEMA DR, SPRING HILL, FL 34609-3527
Document Number	0036531931
Book / Page	003653 / 001931
Instrument Date	Dec 14, 2018
Instrument	76027
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3045 LEMA DR SPRING HILL FL 346093527, SPRING HILL, FL 34609-3527

Mortgage

Document Number	36531933
Date	Dec 20, 2018
Book Page	003653/001933
Instrument	76028

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3045 Lema Dr was $2,831 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	$2,831.00 Additional exemption filed	$237,804	$336,757 Land $53,472 Building $283,285
2023		$224,371 (+3%) Land $224,371
2022	$2,806.00 Homeowner's exemption	$217,836	$319,852 Land $36,921 Building $282,931

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

Flood

FEMA maps place 3045 Lema Dr 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 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

Wildfire risk around 3045 Lema Dr is low, with less than a 0.01% annual chance of 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 247 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 Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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