3075 Polo Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3075 Polo Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,509 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Mar 2020)
Tax Bill	$1,800 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0828-0260`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0828-0260`
Alternative APNs	`00534899` `534899`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area
1st Floor Area	1,512 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
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	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	352 sqft
Deck Area	70 sqft
Patio Area	28 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00534899
Street Address	3075 POLO LN
City	SPRING HILL
State	FL
Zip	34609-4349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 828 LOT 26
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	828
Legal Lot Number	26
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2002
Census Tract	40907

Owner

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 Record
Mailing Address	3075 POLO LN, SPRING HILL, FL 34609-4349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 27, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Mar 12, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Oct 25, 2019	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2020 · Amount on Record
Deed Sale	Mar 12, 2020 · Amount on Record
Prior Sale	Jul 31, 2000 · Amount on Record
Deed Document Number	2020016546
Deed Book / Page	3817 / 1464
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3075 POLO LN, SPRING HILL, FL 34609-4349
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3075 POLO LN, SPRING HILL, FL 34609-4349

Mortgage

Document Number	0043070761
Date	Jun 13, 2023
Book Page	4307/761
Instrument	2023035592

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2043

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3075 POLO LN, SPRING HILL, FL 34609-4349
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040040806
Date	May 27, 2021
Book Page	4004/806
Instrument	2021039700

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 12, 2020
Property Address	3075 POLO LN, SPRING HILL, FL 34609-4349
Document Number	0038171464
Book / Page	003817 / 001464
Instrument Date	Mar 10, 2020
Instrument	16546
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,183.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3075 POLO LN SPRING HILL FL 346094349, SPRING HILL, FL 34609-4349

Mortgage

Document Number	38171466
Date	Mar 12, 2020
Book Page	003817/001466
Instrument	16547

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 25, 2019
Property Address	3075 POLO LN, SPRING HILL, FL 34609-4349
Document Number	0037661063
Book / Page	003766 / 001063
Instrument Date	Oct 18, 2019
Instrument	67681
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1246 VENETIA DR SPRING HILL FL 346087421, SPRING HILL, FL 34608-7421

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	$1,800.00 (+1.64%) Additional exemption filed	$165,548 (+5.99%)	$225,392 (+0.34%) Land $37,500 Building $187,892
2023		$156,196 (+3%) Land $156,196
2022	$1,771.00 Homeowner's exemption	$151,647	$224,625 Land $32,000 Building $192,625

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

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

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

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 362 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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