3399 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3399 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 2004
Lot Size	0.246 acres (10,696 sqft)
Owner	Company Name on File
Last Sale	$128,200 (Jan 2005)
Tax Bill	$1,164 (2025)
Deeds & Mortgages	Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5240-1628-0140`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5240-1628-0140`
Alternative APNs	`00643851` `643851`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
Gross Area	2,674 sqft
1st Floor Area	2,020 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,696 sqft (0.246 acres)
Lot Dimensions	133 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	234 sqft
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00643851
Street Address	3399 DOW LN
City	SPRING HILL
State	FL
Zip	34609-3128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 24 BLK 1628 LOT 14 ORB 1850 PGS 541-45
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 24
Legal Block	1628
Legal Lot Number	14
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1042
Census Tract	40908

Owner

Source: Hernando County records · APN R32-323-17-5240-1628-0140

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	3399 DOW LN, SPRING HILL, FL 34609-3128
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 05, 2005 · Amount on Record
Deed Sale	Jan 05, 2005 · Amount on Record
Prior Sale	Jun 09, 2004 · Amount on Record
Deed Document Number	2005728
Deed Book / Page	1954 / 129
Last Transfer Date	Mar 23, 2011
Transfer Doc	0028121238
Record Updated	Jun 08, 2026

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	3399 DOW LN, SPRING HILL, FL 34609-3128
Document Number	0036460141
Instrument Date	Nov 15, 2018
Transaction Type	Mortgage
Record Updated	Jan 02, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3399 DOW LN SPRING HILL FL 346093128, SPRING HILL, FL 34609-3128

Mortgage

Document Number	0036460141
Date	Nov 27, 2018
Book Page	003646/000141
Instrument	70912

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2048

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,164.00 (+164.55%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$104,011 (+5.99%)	$236,231 (-1.55%) Land $39,628 Building $196,603
2023		$98,136 (+3%) Land $98,136
2022	$440.00 Homeowner's exemption	$95,278	$239,940 Land $38,613 Building $201,327

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), as of April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530409081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 183 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6277059, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.