3318 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3318 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,110 sqft · built 2002
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Feb 2021)
Tax Bill	$3,300 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5240-1626-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5240-1626-0080`
Alternative APNs	`00643281` `643281`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,110 sqft Living Area
1st Floor Area	2,110 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
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	418 sqft
Parking Spaces	2 Parking Spaces
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00643281
Street Address	3318 DOW LN
City	SPRING HILL
State	FL
Zip	34609-4549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 24 BLK 1626 LOT 8
Legal Range	18E
Legal Township	23S
Legal Section	22
Legal Subdivision	SPRING HILL UNIT 24
Legal Block	1626
Legal Lot Number	8
Legal Unit	24
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1056
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
Co-owner	Co-owner on Record
Mailing Address	3318 DOW LN, SPRING HILL, FL 34609-4549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 12, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Feb 2, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2021 · Amount on Record
Deed Sale	Feb 2, 2021 · Amount on Record
Prior Sale	Aug 28, 2002 · Amount on Record
Deed Document Number	2021006964
Deed Book / Page	3947 / 50
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3318 DOW LN, SPRING HILL, FL 34609-4549
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3318 DOW LN, SPRING HILL, FL 34609-4549

Mortgage

Document Number	0042150748
Date	Sep 1, 2022
Book Page	4215/748
Instrument	2022066210

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3318 DOW LN, SPRING HILL, FL 34609-4549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037831881
Date	Dec 12, 2019
Book Page	3783/1881
Instrument	2019078120

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 2, 2034

Interest

Rate Type	Adjustable Rate

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 2, 2021
Property Address	3318 DOW LN, SPRING HILL, FL 34609-4549
Document Number	0039470050
Book / Page	3947 / 50
Map Reference	MB 10 PG 53-60
Instrument Date	Jan 27, 2021
Instrument	2021006964
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,694.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12839 IMPATIENS ST, 12839, SPRING HILL, FL 34609-1762

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3318 DOW LN, SPRING HILL, FL 34609-4549

Mortgage

Document Number	394752
Date	Feb 2, 2021
Instrument	3947/52

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$3,300.00 (-7.77%) Additional exemption filed	$270,661 (-1.64%) Land $39,000 Building $231,661	$270,661 (-1.64%) Land $39,000 Building $231,661
2023		$275,174 (+9.91%) Land $40,859 Building $234,315
2022	$3,578.00	$250,363 Land $24,800 Building $225,563	$275,174 Land $38,000 Building $237,174

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
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 98% of the US · lower than 97.6% 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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