3324 Agar Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 3324 Agar Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,325 sqft · built 2016
Lot Size	0.272 acres (11,862 sqft)
Owner	Individual Name on Record
Last Sale	$394,000 (Apr 2026)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5140-0922-0010`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5140-0922-0010`
Alternative APNs	`00298190` `298190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,325 sqft Living Area
Gross Area	3,051 sqft
1st Floor Area	2,325 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,862 sqft (0.272 acres)
Lot Dimensions	125 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	264 sqft
Patio Area	884 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00298190
Street Address	3324 AGAR AVE
City	SPRING HILL
State	FL
Zip	34609-2801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 14 BLK 922 LOT 1
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 14
Legal Block	922
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1002
Census Tract	41006

Owner

Source: Hernando County records, as of May 5, 2026

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	3324 AGAR AVE, SPRING HILL, FL 34609-2801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Apr 9, 2026	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Nov 30, 2016 · Amount on Record
Deed Document Number	202623581
Deed Book / Page	4693 / 931
Prior Transfer Date	Jan 19, 1998
Prior Transfer Doc	1178000210
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3324 AGAR AVE, SPRING HILL, FL 34609-2801
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3324 AGAR AVE, SPRING HILL, FL 34609-2801

Mortgage

Document Number	0039360423
Date	Jan 7, 2021
Book Page	3936/423
Instrument	2021001231

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3324 AGAR AVE, SPRING HILL, FL 34609-2801
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3324 AGAR AVE, SPRING HILL, FL 34609-2801

Mortgage

Document Number	0042150966
Date	Sep 1, 2022
Book Page	4215/966
Instrument	2022066261

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Aug 31, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 9, 2026
Property Address	3324 AGAR AVE, SPRING HILL, FL 34609-2801
Document Number	0000023581
Book / Page	4693 / 931
Instrument Date	Apr 8, 2026
Instrument	2026.23581
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278,558.00
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	3324 AGAR AVE, SPRING HILL, FL 34609-2801

Mortgage

Document Number	0000023582,
Date	Apr 9, 2026
Instrument	2026..23582

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

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	$3,208.00 (+55.73%) Homeowner's exemption	$215,730 (+23.11%)	$409,108 (+10.45%) Land $44,483 Building $364,625
2023		$175,231 Land $175,231
2022	$2,060.00		$370,412 Land $36,772 Building $333,640

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

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 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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