3097 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3097 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,195 sqft · built 1989
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$96,500 (Dec 2015)
Tax Bill	$599 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0816-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0816-0020`
Alternative APNs	`00532757` `532757`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,195 sqft Living Area
1st Floor Area	1,187 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
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	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	115 sqft
Patio Area	120 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00532757
Street Address	3097 DOW LN
City	SPRING HILL
State	FL
Zip	34609-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 816 LOT 2
Legal Range	18E
Legal Township	23S
Legal Section	22
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	816
Legal Lot Number	2
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1046
Census Tract	40908

Owner

Source: Hernando County records · APN R32-323-17-5130-0816-0020

Assessment roll updated October 31, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3097 DOW LN, SPRING HILL, FL 34609-4539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 07, 2015 · Amount on Record
Deed Sale	Dec 07, 2015 · Amount on Record
Prior Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	2015068825
Deed Book / Page	3312 / 0651
Record Updated	Jun 08, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3097 DOW LN, SPRING HILL, FL 34609-4539
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035420659
Date	Jan 09, 2018
Book Page	3542/0659
Instrument	2018001728

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$599.00 (+6.02%) Additional exemption filed	$81,399 (+5.99%)	$178,695 (+0.61%) Land $37,500 Building $141,195
2023		$76,801 Land $76,801
2022	$565.00		$177,619 Land $32,000 Building $145,619

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Tillman Global Holdings, Verizon.

Based on FCC filings for 368 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.