3320 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 3320 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,526 sqft · built 1981
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Apr 2024)
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5140-0924-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5140-0924-0060`
Alternative APNs	`00545128` `545128`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	1,526 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	402 sqft
Deck Area	361 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00545128
Street Address	3320 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-2851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 14 BLK 924 LOT 6
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 14
Legal Block	924
Legal Lot Number	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1020
Census Tract	41006

Owner

Source: Hernando County records, as of August 24, 2026

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	2 Individual Names on File
Mailing Address	3320 LEMA DR, SPRING HILL, FL 34609-2851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 5, 2022	Warranty Deed, Transfer · Conventional Mortgage CASTLE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Prior Sale	Aug 5, 2022 · Amount on File
Deed Document Number	202422228
Deed Book / Page	4412 / 473
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 23, 2024
Property Address	3320 LEMA DR, SPRING HILL, FL 34609-2851
Document Number	0044120473
Book / Page	4412 / 473
Map Reference	MB 9 PG 7-9
Instrument Date	Mar 27, 2024
Instrument	2024022228
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	FRONTIER TITLE GROUP LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13377 DRAYTON DR, SPRING HILL, FL 34609-4440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3320 LEMA DR, SPRING HILL, FL 34609-2851

Mortgage

Document Number	0004412475
Date	Apr 23, 2024
Instrument	4412/475

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Mortgage

Document Number	0044120494
Date	Apr 23, 2024
Book Page	4412/494
Instrument	2024022230

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 5, 2022
Property Address	3320 LEMA DR, SPRING HILL, FL 34609-2851
Document Number	0042050817
Book / Page	4205 / 817
Map Reference	MB 9 PG 7-9
Instrument Date	Jul 29, 2022
Instrument	2022059820
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	FRONTIER TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,799.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4289 LORDINGS LN, 4289, SPRING HILL, FL 34607-2520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13377 DRAYTON DR, SPRING HILL, FL 34609-4440

Mortgage

Document Number	0004205819
Date	Aug 5, 2022
Instrument	4205/819

Lender

Name	CASTLE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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	$2,877.00 (+1.55%)	$192,573 (+3.21%) Land $37,500 Building $155,073	$192,573 (+3.21%) Land $37,500 Building $155,073
2023		$186,585 (+8.92%) Land $33,578 Building $153,007
2022	$2,833.00	$171,311 Land $20,700 Building $150,611	$186,585 Land $31,000 Building $155,585

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 272 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 / 1,000

May also be available: Verizon.

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