Hernando County property record for 3574 Dow Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,725 sqft · built 1994 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,900 (Feb 2019) |
| Tax Bill | $3,497 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5240-1635-0070 |
| Primary APN | R32-323-17-5240-1635-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,725 sqft Living Area |
| Gross Area | 2,227 sqft |
| 1st Floor Area | 1,725 sqft |
| Basement Area | 396 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 18 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00644798 |
|---|---|
| Street Address | 3574 DOW LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-3135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 24 BLK 1635 LOT 7 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 24 |
| Legal Block | 1635 |
| Legal Lot Number | 7 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40908 |
3574 Dow Ln is owned and occupied by an individual who acquired it in September 2020.
Source: Hernando County records, as of October 14, 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 | Individual Name on File |
|---|---|
| Mailing Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Sep 23, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Jul 31, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2019 · Amount on File |
| Deed Sale | Feb 26, 2019 · Amount on File |
| Prior Sale | Jul 31, 2018 · Amount on File |
| Deed Document Number | 201911795 |
| Deed Book / Page | 3674 / 515 |
| Last Transfer Date | Sep 29, 2020 |
| Transfer Doc | 0000064117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Title Company | EMERALD COAST TITLE INC, EMERALD COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Number | 0040571285 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | 4057/1285 |
| Instrument | 2021070363 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 23, 2026 |
| Property Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Number | 0000064117 |
| Book / Page | 4763 / 840 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 202664117 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Feb 26, 2019 |
| Property Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Number | 0036740515 |
| Book / Page | 3674 / 0515 |
| Map Reference | MB 10 PG 53-60 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 2019011795 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | SOUTHEAST TITLE OF SUNCOAST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,259.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9358 BLADON ST, 9358, SPRING HILL, FL 34608-5717 |
| Name | Verified Name |
|---|---|
| Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Number | 2019011796 |
|---|---|
| Date | Feb 26, 2019 |
| Instrument | 2019011796 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 3574 DOW LN, SPRING HILL, FL 34609-3135 |
| Document Number | 0036081300 |
| Book / Page | 003608 / 001300 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 46193 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $868.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9358 BLADON ST SPRING HILL FL 346085717, SPRING HILL, FL 34608-5717 |
The 2025 property tax bill for 3574 Dow Ln was $3,497.
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 | $3,497.00 | $235,954 Land $39,000 Building $196,954 | $235,954 Land $39,000 Building $196,954 |
| 2023 | $223,322 (+3%) Land $23,960 Building $199,362 | ||
| 2022 | $2,790.00 Homeowner's exemption | $216,817 Land $24,800 Building $192,017 | $239,817 Land $38,000 Building $201,817 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3574 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 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 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 risk around 3574 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 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.
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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