3190 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 3190 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,459 sqft · built 2005
Lot Size	0.344 acres (14,962 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Jul 2026)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5140-0926-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5140-0926-0060`
Alternative APNs	`00550718` `550718`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,459 sqft Living Area
Gross Area	2,426 sqft
1st Floor Area	1,459 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,962 sqft (0.344 acres)
Lot Dimensions	187 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	484 sqft
Patio Area	28 sqft
Shed	1 Shed
Shed Area	192 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00550718
Street Address	3190 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-2845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 14 BLK 926 LOT 6
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 14
Legal Block	926
Legal Lot Number	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1018
Census Tract	41006

Owner

3190 Lema Dr is owned and occupied by an individual who bought it in July 2026.

Source: Hernando County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	3190 LEMA DR, SPRING HILL, FL 34609-2845
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage E LOANS MORTGAGE INC
Apr 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Apr 20, 2026 · Amount on File
Deed Document Number	202647248
Deed Book / Page	4734 / 760
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0027661363
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 14, 2026
Property Address	3190 LEMA DR, SPRING HILL, FL 34609-2845
Document Number	0000047248
Book / Page	4734 / 760
Instrument Date	Jul 10, 2026
Instrument	202647248
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	SOUTHERN TITLE, SOUTHERN SECURITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204,323.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 LEMA DR, SPRING HILL, FL 34609-2845

Mortgage

Document Number	0000047249,
Date	Jul 14, 2026
Book Page	4734/762
Instrument	202647249

Lender

Name	E LOANS MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000047250,
Date	Jul 14, 2026
Book Page	4734/783
Instrument	202647250

Lender

Name	HERNANDO COUNTY (FL)

Agreement

Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 20, 2026
Property Address	3190 LEMA DR, SPRING HILL, FL 34609-2845
Document Number	0000025747
Book / Page	4697 / 556
Instrument Date	Apr 14, 2026
Instrument	2026.25747
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$141,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 LEMA DR, SPRING HILL, FL 34609-2845

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 20, 2026
Property Address	3190 LEMA DR, SPRING HILL, FL 34609-2845
Document Number	0046970556
Book / Page	4697 / 556
Instrument Date	Apr 14, 2026
Instrument	202625747
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$141,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3190 LEMA DR, SPRING HILL, FL 34609-2845

Tax Assessment & Valuation

The 2025 property tax bill for 3190 Lema Dr was $1,573 with a homeowner's exemption.

Source: Hernando County assessment roll, as of December 8, 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	$1,573.00 Homeowner's exemption	$101,226	$255,626 Land $50,572 Building $205,054
2023		$95,508 (+3%) Land $95,508
2022	$849.00 Homeowner's exemption	$92,726	$246,393 Land $41,744 Building $204,649

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

FEMA maps place 3190 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 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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

Wildfire risk around 3190 Lema Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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