3275 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3275 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1987
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jan 1997)
Tax Bill	$312 (2025)
Deeds & Mortgages	May 2022 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5240-1627-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5240-1627-0060`
Alternative APNs	`00643478` `643478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
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	143 ft deep x 47 ft wide
Garage Area	126 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	186 sqft
Patio Area	96 sqft
Gazebo	100 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00643478
Street Address	3275 DOW LN
City	SPRING HILL
State	FL
Zip	34609-4548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 24 BLK 1627 LOT 6
Legal Range	18E
Legal Township	23S
Legal Section	22
Legal Subdivision	SPRING HILL UNIT 24
Legal Block	1627
Legal Lot Number	6
Legal Unit	24
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1057
Census Tract	40908

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	3275 DOW LN, SPRING HILL, FL 34609-4548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage E LOANS MORTGAGE INC
Jan 12, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 1997 · Amount on Record
Deed Sale	Jan 7, 1997 · Amount on Record
Deed Document Number	0110301727
Deed Book / Page	01103 / 01727
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3275 DOW LN, SPRING HILL, FL 34609-4548
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3275 DOW LN, SPRING HILL, FL 34609-4548

Mortgage

Document Number	0041671315
Date	May 6, 2022
Book Page	4167/1315
Instrument	2022035750

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company
Address	SPRING HILL, FL 34609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3275 DOW LN, SPRING HILL, FL 34609-4548
Document Number	0035461274
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3275 DOW LN SPRING HILL FL 346094548, SPRING HILL, FL 34609-4548

Mortgage

Document Number	0035461274
Date	Jan 25, 2018
Book Page	003546/001274
Instrument	4736

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate

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	$312.00 (+15.56%) Additional exemption filed	$79,220 (+9.99%)	$192,535 (+0.16%) Land $52,359 Building $140,176
2023		$72,028 (+3%) Land $72,028
2022	$270.00 Homeowner's exemption	$69,930	$192,221 Land $51,016 Building $141,205

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
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

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 99.8% of the US · lower than 99.7% 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 368 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
Spectrum Cable	1,000 / 1,000

May also be available: Tillman Fiber, Verizon.

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