Hernando County property record for 3455 Whispy Ct, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,552 sqft · built 2018 |
| Lot Size | 0.514 acres (22,388 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $505,000 (Aug 2026) |
| Tax Bill | $3,774 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R16-223-18-3038-0000-0540 |
| Primary APN | R16-223-18-3038-0000-0540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,552 sqft Living Area |
| Gross Area | 3,275 sqft |
| 1st Floor Area | 2,552 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Block/Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,388 sqft (0.514 acres) |
| Garage Type | Attached |
| Garage Area | 444 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 279 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01682263 |
|---|---|
| Street Address | 3455 WHISPY CT |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION PALMS LOT 54 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 16 |
| Legal Subdivision | PLANTATION PALMS |
| Legal Lot Number | 54 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 40908 |
Source: Hernando County records, as of October 12, 2026
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 | 3455 WHISPY CT, SPRING HILL, FL 34609-4356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Widow or Widower |
| Date | Document |
|---|---|
| Aug 13, 2026 | Warranty Deed, Transfer TITLE SERVICES, LOCALE TITLE SERVICES LLC |
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU |
| Jul 18, 2018 | Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on Record |
| Deed Sale | Aug 13, 2026 · Amount on Record |
| Prior Sale | Jul 18, 2018 · Amount on Record |
| Deed Document Number | 202654692 |
| Deed Book / Page | 4747 / 704 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 13, 2026 |
| Property Address | 3455 WHISPY CT, SPRING HILL, FL 34609-4356 |
| Document Number | 0000054692 |
| Book / Page | 4747 / 704 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 202654692 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | TITLE SERVICES, LOCALE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $357,035.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3455 WHISPY CT, SPRING HILL, FL 34609-4356 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3455 WHISPY CT, SPRING HILL, FL 34609-4356 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3455 WHISPY CORT, SPRING HILL, FL 34609-4356 |
| Document Number | 0039270209 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 3927/209 |
| Instrument | 2020079118 |
| Name | DUPACO COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | DUBUQUE, IA 52002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 18, 2018 |
| Property Address | 3455 WHISPY CT, SPRING HILL, FL 34609-4356 |
| Document Number | 0036050059 |
| Book / Page | 003605 / 000059 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 43572 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 8, 2018 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,649.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3455 WHISPY CT SPRING HILL FL 346094356, SPRING HILL, FL 34609-4356 |
| Document Number | 36050061 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 003605/000061 |
| Instrument | 43573 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2048 |
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 | $3,774.00 (+22.85%) Homeowner's exemption | $256,379 (+5.99%) | $392,705 (+1.01%) Land $47,015 Building $345,690 |
| 2023 | $241,897 Land $241,897 | ||
| 2022 | $3,072.00 | $388,791 Land $47,015 Building $341,776 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond 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 91 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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