3497 Chadwick Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 3497 Chadwick Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,006 sqft · built 2004
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Sep 2026)
Tax Bill	$2,393 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2026 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5160-1010-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5160-1010-0160`
Alternative APNs	`00567666` `567666`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	2,636 sqft
1st Floor Area	2,006 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
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	400 sqft

Exterior Amenities

Porch	Patio
Porch Area	230 sqft
Patio Area	252 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00567666
Street Address	3497 CHADWICK AVE
City	SPRING HILL
State	FL
Zip	34609-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 16 BLK 1010 LOT 16 ORB 595 PG 494
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 16
Legal Block	1010
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2039
Census Tract	41006

Owner

Source: Hernando County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Warranty Deed, Transfer · FHA Mortgage POINT MORTGAGE FINANCIAL
Jul 22, 2026	Deed of Trust, Mortgage · Construction Mortgage MORTGAGE MORTGAGE
Jan 5, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Aug 13, 2025 · Amount on Record
Deed Document Number	202663668
Deed Book / Page	4762 / 1077
Prior Transfer Date	Nov 17, 2009
Prior Transfer Doc	0027010415
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 22, 2026
Property Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607
Document Number	0000063668
Book / Page	4762 / 1077
Instrument Date	Aug 31, 2026
Instrument	202663668
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	TITLE INC, FLA TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$243,915.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607

Mortgage

Document Number	0000063669,
Date	Sep 22, 2026
Book Page	4762/1079
Instrument	202663669

Lender

Name	POINT MORTGAGE FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000063670,
Date	Sep 22, 2026
Book Page	4762/1093
Instrument	202663670

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 22, 2026
Property Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607
Document Number	0000049707
Book / Page	4738 / 1769
Instrument Date	Jul 16, 2026
Instrument	202649707
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607

Mortgage

Document Number	0000049707,
Date	Jul 22, 2026
Book Page	4738/1769
Instrument	202649707

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2027

Interest

Rate Type	Balloon
Rate	6.47%
Initial Type	Balloon
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 5, 2021
Property Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607
Document Number	0039350346
Book / Page	3935 / 346
Map Reference	MB 9 PG 18-30
Instrument Date	Dec 29, 2020
Instrument	2021000548
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SECURITY TTL SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	480 BROADWAY, HANOVER, MA 02339-2711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3497 CHADWICK AVE, SPRING HILL, FL 34609-2607
Investor	Possibly a Property Investor

Mortgage

Document Number	0003935348
Date	Jan 5, 2021
Instrument	3935/348

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$2,393.00	$158,607	$281,897 Land $36,575 Building $245,322

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

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	7 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 270 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Chadwick Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures