Hernando County property record for 3506 Dow Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,456 sqft · built 2020 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $231,750 (Feb 2020) |
| Tax Bill | $4,394 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5240-1632-0030 |
| Primary APN | R32-323-17-5240-1632-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,456 sqft Living Area |
| Gross Area | 3,234 sqft |
| 1st Floor Area | 2,456 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Combination |
| Construction 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 | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00644388 |
|---|---|
| Street Address | 3506 DOW LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-3133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 24 BLK 1632 LOT 3 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 24 |
| Legal Block | 1632 |
| Legal Lot Number | 3 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 40908 |
3506 Dow Ln is owner-occupied and held in a trust since May 2021.
Source: Hernando County records, as of April 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 8, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 26, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Feb 10, 2020 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Apr 30, 2019 | Quit Claim Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Mar 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2020 · Amount on File |
| Deed Sale | Feb 10, 2020 · Amount on File |
| Deed Document Number | 20208749 |
| Deed Book / Page | 3805 / 550 |
| Last Transfer Date | May 20, 2021 |
| Transfer Doc | 0040030758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0046811911 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 4681/1911 |
| Instrument | 2026017347 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 316 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0041820230 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 4182/230 |
| Instrument | 2022044944 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 26, 2021 |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0040030758 |
| Book / Page | 4003 / 758 |
| Map Reference | MB 10 PG 53-60 |
| Instrument Date | May 20, 2021 |
| Instrument | 2021038977 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Feb 10, 2020 |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0038050550 |
| Book / Page | 3805 / 550 |
| Map Reference | MB 10 PG 53-60 |
| Instrument Date | Jan 23, 2020 |
| Instrument | 2020008749 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | STEEL CITY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,622.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9416 CAMDEN FIELD PKWY, 9416, RIVERVIEW, FL 33578-0519 |
| Name | Verified Name |
|---|---|
| Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 38050551 |
|---|---|
| Date | Feb 10, 2020 |
| Instrument | 3805/0551 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 30, 2019 |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0036971228 |
| Book / Page | 003697 / 001228 |
| Instrument Date | Apr 18, 2019 |
| Instrument | 26062 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2019 |
| Title Company | STEEL CITY TITLE INC, STEEL CTY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9416 CAMDEN FIELD PKWY RIVERVIEW FL 335780519, RIVERVIEW, FL 33578-0519 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 13, 2019 |
| Property Address | 3506 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0036791746 |
| Book / Page | 003679 / 001746 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 15390 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5209 AYRSHIRE DR SPRING HILL FL 346090550, SPRING HILL, FL 34609-0550 |
The 2025 property tax bill for 3506 Dow Ln was $4,394 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 | $4,394.00 Homeowner's exemption | $298,832 | $398,155 Land $39,000 Building $359,155 |
| 2023 | $281,951 Land $281,951 | ||
| 2022 | $3,681.00 | $404,569 Land $38,000 Building $366,569 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3506 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 AE, 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.
Wildfire risk around 3506 Dow Ln 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 97% of the US · lower than 96% 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures