3455 Treetop Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 3455 Treetop Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,216 sqft · built 1987
Lot Size	0.266 acres (11,594 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Oct 2025)
Tax Bill	$1,447 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R15-223-17-1768-0000-1940`

Property Details

APN / Parcel Number

Primary APN	`R15-223-17-1768-0000-1940`
Alternative APNs	`01063128` `1063128`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,915 sqft
1st Floor Area	1,216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,594 sqft (0.266 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Enclosed Porch
Porch Area	1,042 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01063128
Street Address	3455 TREETOP CIR
City	SPRING HILL
State	FL
Zip	34606-6727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST OAKS UNIT 3 LOT 194
Legal Range	17E
Legal Township	23S
Legal Section	15
Legal Subdivision	FOREST OAKS UNIT 3
Legal Lot Number	194
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1004
Census Tract	41204

Owner

3455 Treetop Cir is owned and occupied by an individual who bought it in October 2025.

Source: Hernando County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 23, 2024	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Oct 8, 2025	Warranty Deed, Transfer · FHA Mortgage CLICK N CLOSE INC
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Sep 11, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Prior Sale	Feb 25, 2013 · Amount on File
Deed Document Number	202569925
Deed Book / Page	4619 / 329
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727

Mortgage

Document Number	0043950435
Date	Feb 23, 2024
Book Page	4395/435
Instrument	2024011320

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 8, 2025
Property Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727
Document Number	0046190329
Book / Page	4619 / 329
Map Reference	MB 19 PG 62-67
Instrument Date	Sep 26, 2025
Instrument	2025069925
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,128.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1520 HIGHWAY 67, CLINTON, IA 52732-9579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727

Mortgage

Document Number	0004619331
Date	Oct 8, 2025
Instrument	4619/331

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Mortgage

Document Number	0046190347
Date	Oct 8, 2025
Book Page	4619/347
Instrument	2025069927

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727

Mortgage

Document Number	0038821628
Date	Sep 1, 2020
Book Page	3882/1628
Instrument	2020053819

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2030

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3455 TREETOP CIR, SPRING HILL, FL 34606-6727
Document Number	0036250405
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3455 TREETOP CIR SPRING HILL FL 346066727, SPRING HILL, FL 34606-6727

Mortgage

Document Number	0036250405
Date	Sep 20, 2018
Book Page	003625/000405
Instrument	57280

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3455 Treetop Cir was $1,447, up 1.8% from the year before.

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	$1,447.00 (+1.83%)	$89,132 (+2.9%)	$213,123 (-4.47%) Land $30,724 Building $182,399
2024	$1,421.00 Additional exemption filed	$86,620 (+3%)	$223,100 Land $30,724 Building $192,376
2023		$84,097 Land $84,097
2022	$676.00		$217,805 Land $30,724 Building $187,081

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

FEMA maps place 3455 Treetop Cir 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
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (2011–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Jun 2012 · 2 claims

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 3455 Treetop Cir is low, with 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 80% of the US · lower than 93% 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 370 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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