Hernando County property record for 3400 Dow Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,038 sqft · built 1987 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $1,465 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5240-1625-0050 |
| Primary APN | R32-323-17-5240-1625-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Living Area |
| Gross Area | 1,644 sqft |
| 1st Floor Area | 1,038 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1999 |
| 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 | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 288 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 1,022 sqft |
| Deck Area | 96 sqft |
| Patio Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00643110 |
|---|---|
| Street Address | 3400 DOW LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-3129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 24 BLK 1625 LOT 5 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 24 |
| Legal Block | 1625 |
| Legal Lot Number | 5 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 40908 |
3400 Dow Ln is owned by a company that acquired it in November 2019 and is owner-occupied.
Source: Hernando County records, as of March 18, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Sep 1, 2022 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Nov 26, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 11, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Mar 11, 2019 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2015 |
| Deed Sale | Jun 8, 2015 |
| Prior Sale | Jul 29, 2005 · Amount on File |
| Deed Document Number | 201533166 |
| Deed Book / Page | 3235 / 515 |
| Last Transfer Date | Nov 20, 2019 |
| Transfer Doc | 0037780175 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0046691551 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 4669/1551 |
| Instrument | 2026010288 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 157 Months |
| Due | Mar 15, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0042150975 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 4215/975 |
| Instrument | 2022066264 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Aug 15, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 26, 2019 |
| Property Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Document Number | 0037780175 |
| Book / Page | 003778 / 000175 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 74692 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3400 DOW LN SPRING HILL FL 346093129, SPRING HILL, FL 34609-3129 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Document Number | 0036830099 |
| Instrument Date | Mar 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3400 DOW LN SPRING HILL FL 346093129, SPRING HILL, FL 34609-3129 |
| Document Number | 0036830099 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 003683/000099 |
| Instrument | 17446 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 24, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3400 DOW LN, SPRING HILL, FL 34609-3129 |
| Document Number | 0036830108 |
| Instrument Date | Mar 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3400 DOW LN SPRING HILL FL 346093129, SPRING HILL, FL 34609-3129 |
| Document Number | 0036830108 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 003683/000108 |
| Instrument | 17447 |
| Name | MIDFLORIDA CU |
|---|---|
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 24, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3400 Dow Ln was $1,465 with a homeowner's exemption.
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 | $1,465.00 Homeowner's exemption | $93,662 | $175,672 Land $39,000 Building $136,672 |
| 2023 | $88,371 (+3%) Land $88,371 | ||
| 2022 | $741.00 Homeowner's exemption | $85,797 | $178,248 Land $38,000 Building $140,248 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3400 Dow Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 3400 Dow Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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