Hernando County property record for 3514 Dow Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,176 sqft · built 1985 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $132,900 (May 2018) |
| Tax Bill | $1,441 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Aug 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5240-1632-0020 |
| Primary APN | R32-323-17-5240-1632-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,967 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 307 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00644379 |
|---|---|
| Street Address | 3514 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 2 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 24 |
| Legal Block | 1632 |
| Legal Lot Number | 2 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 40908 |
Source: Hernando County records, as of January 5, 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 | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage ACADEMY MORTGAGE CORP |
| May 30, 2018 | Warranty Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2018 · Amount on Record |
| Deed Sale | May 30, 2018 · Amount on Record |
| Prior Sale | Aug 10, 2000 · Amount on Record |
| Deed Document Number | 201833139 |
| Deed Book / Page | 3588 / 1186 |
| Prior Transfer Date | Jun 22, 2010 |
| Prior Transfer Doc | 0027500761 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0046471661 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 4647/1661 |
| Instrument | 2025086655 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0043350573 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 4335/573 |
| Instrument | 2023053532 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 30, 2018 |
| Property Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 0035881186 |
| Book / Page | 3588 / 1186 |
| Map Reference | MB10 PG53-60 |
| Instrument Date | May 21, 2018 |
| Instrument | 2018033139 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | TITLE INS POLICY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $930.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3514 DOW LN, SPRING HILL, FL 34609-3133 |
| Document Number | 2018033140 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 2018033140 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 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 | $1,441.00 (+113.17%) Homeowner's exemption Senior Citizen's exemption | $119,335 (+5.99%) | $186,441 (+2.75%) Land $39,000 Building $147,441 |
| 2023 | $112,594 Land $112,594 | ||
| 2022 | $676.00 | $181,454 Land $38,000 Building $143,454 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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 |
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