3448 Hartley Rd, Spring Hill, FL 34606 Property Records

Hernando County property record for 3448 Hartley Rd, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,375 sqft · built 1980
Lot Size	0.089 acres (3,875 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Nov 2018)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1466-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1466-0020`
Alternative APNs	`00317197` `317197`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,375 sqft Living Area
Gross Area	2,111 sqft
1st Floor Area	1,375 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,875 sqft (0.089 acres)
Lot Dimensions	125 ft deep x 31 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	232 sqft
Utility Building	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00317197
Street Address	3448 HARTLEY RD
City	SPRING HILL
State	FL
Zip	34606-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1466 E31 FT OF LOT 2 & ALL OF LOT 3 ORB 2416 PG 1725
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1466
Legal Lot Number	2,3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3019
Census Tract	41204

Owner

3448 Hartley Rd is owned and occupied by two individuals who bought it in November 2018.

Source: Hernando County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Nov 6, 2018	Warranty Deed, Transfer · Conventional with PMI RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2018 · Amount on File
Deed Sale	Nov 6, 2018 · Amount on File
Prior Sale	Jan 30, 2015 · Amount on File
Deed Document Number	201867342
Deed Book / Page	3640 / 1007
Prior Transfer Date	Mar 8, 2007
Prior Transfer Doc	0024161727
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931

Mortgage

Document Number	0039571817
Date	Feb 26, 2021
Book Page	3957/1817
Instrument	2021013257

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931

Mortgage

Document Number	0038900982
Date	Sep 22, 2020
Book Page	3890/982
Instrument	2020058437

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 21, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 6, 2018
Property Address	3448 HARTLEY RD, SPRING HILL, FL 34606-2931
Document Number	0036401007
Book / Page	003640 / 001007
Instrument Date	Oct 31, 2018
Instrument	67342
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3448 HARTLEY RD SPRING HILL FL 346062931, SPRING HILL, FL 34606-2931

Mortgage

Document Number	36401009
Date	Nov 6, 2018
Book Page	003640/001009
Instrument	67343

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33607

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3448 Hartley Rd was $1,456 with a homeowner's exemption.

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	$1,456.00 Homeowner's exemption	$93,016	$228,118 Land $52,725 Building $175,393
2023		$87,762 Land $87,762
2022	$731.00		$215,935 Land $45,094 Building $170,841

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

Flood

FEMA maps place 3448 Hartley Rd 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 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

Wildfire risk around 3448 Hartley Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 402 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 / 50

May also be available: Hotwire Communications, T-Mobile, Verizon.

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