Hernando County property record for 3364 Dow Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1991 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $182,000 (Aug 2019) |
| Tax Bill | $3,418 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5240-1625-0100 |
| Primary APN | R32-323-17-5240-1625-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 2,246 sqft |
| 1st Floor Area | 1,620 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 186 sqft |
| Patio Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00643165 |
|---|---|
| Street Address | 3364 DOW LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-3127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 24 BLK 1625 LOT 10 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 24 |
| Legal Block | 1625 |
| Legal Lot Number | 10 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 40908 |
Source: Hernando County records, as of December 8, 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 | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Dec 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Aug 7, 2019 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CAMBRO LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on Record |
| Deed Sale | Aug 7, 2019 · Amount on Record |
| Prior Sale | Feb 19, 2016 |
| Deed Document Number | 201949489 |
| Deed Book / Page | 3737 / 745 |
| Prior Transfer Date | Oct 8, 2015 |
| Prior Transfer Doc | 0033191142 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Document Number | 0042111177 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 4211/1177 |
| Instrument | 2022063874 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Document Number | 0040970619 |
|---|---|
| Date | Dec 9, 2021 |
| Book Page | 4097/619 |
| Instrument | 2021092902 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 7, 2019 |
| Property Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Document Number | 0037370745 |
| Book / Page | 3737 / 0745 |
| Map Reference | MB 10 PG 53-60 |
| Instrument Date | Aug 6, 2019 |
| Instrument | 2019049489 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | TRUSTED TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,274.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 646, DUNEDIN, FL 34697-0646 |
| Name | Verified Name |
|---|---|
| Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Document Number | 0003737747 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 3737/747 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3364 DOW LN, SPRING HILL, FL 34609-3127 |
| Document Number | 0036900024 |
| Instrument Date | Mar 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2019 |
| Title Company | KLEER TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | PO BOX 646 DUNEDIN FL 346970646, DUNEDIN, FL 34697-0646 |
| Document Number | 0036900024 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 003690/000024 |
| Instrument | 21518 |
| Name | CAMBRO LLC |
|---|---|
| Address | 13 BAYOU LN, PALM HARBOR, FL 34683-5243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,418.00 (+25.89%) Homeowner's exemption | $230,459 (+5.54%) Land $39,000 Building $191,459 | $230,459 (-1.75%) Land $39,000 Building $191,459 |
| 2023 | $218,362 (+3%) Land $24,288 Building $194,074 | ||
| 2022 | $2,715.00 Homeowner's exemption | $212,002 Land $24,800 Building $187,202 | $234,565 Land $38,000 Building $196,565 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 183 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 |
| Verizon Fixed Wireless | 300 / 20 |
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