3598 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3598 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,035 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Aug 2018)
Tax Bill	$2,202 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5240-1635-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5240-1635-0040`
Alternative APNs	`00644743` `644743`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,035 sqft Living Area
1st Floor Area	2,035 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	902 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00644743
Street Address	3598 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 4 ORB 1828 PG 1957
Legal Range	18E
Legal Township	23S
Legal Section	15
Legal Subdivision	SPRING HILL UNIT 24
Legal Block	1635
Legal Lot Number	4
Legal Unit	24
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2012
Census Tract	40908

Owner

Source: Hernando County records, as of December 10, 2025

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 Record
Co-owner	Co-owner on Record
Mailing Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage E LOANS MORTGAGE INC
Aug 29, 2018	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage LYNN B & SANDRA FAHNESTOCK
Feb 26, 2018	Grant Deed, Transfer AMERICAN GUARDIAN TITLE INC
Oct 27, 2017	Grant Deed, Transfer CONSUMER TITLE AND ESCROW SERVICES
Aug 11, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Prior Sale	Apr 26, 2018 · Amount on Record
Deed Document Number	2018052532
Deed Book / Page	3617 / 1664
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 DOW LN, SPRING HILL, FL 34609-3135

Mortgage

Document Number	0042251097
Date	Oct 4, 2022
Book Page	4225/1097
Instrument	2022072530

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	33368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 DOW LN, SPRING HILL, FL 34609-3135

Mortgage

Document Number	0039530755
Date	Feb 17, 2021
Book Page	3953/755
Instrument	2021010497

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company
Address	SPRING HILL, FL 34609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 29, 2018
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Document Number	0036171664
Book / Page	3617 / 1664
Map Reference	MB10 PG53
Instrument Date	Aug 20, 2018
Instrument	2018052532
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10489 HELEY ST, 10489, SPRING HILL, FL 34608-3729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 DOW LN, SPRING HILL, FL 34609-3135

Mortgage

Document Number	2018052533
Date	Aug 29, 2018
Instrument	2018052533

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 26, 2018
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Document Number	0035770555
Book / Page	003577 / 000555
Instrument Date	Apr 20, 2018
Instrument	25379
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 DOW LN SPRING HILL FL 346093135, SPRING HILL, FL 34609-3135

Mortgage

Document Number	35770557
Date	Apr 26, 2018
Book Page	003577/000557
Instrument	25380

Lender

Name	LYNN B & SANDRA FAHNESTOCK
Address	10244 WATERSIDE DR, TAMPA, FL 33647
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 26, 2018
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Document Number	0035560790
Book / Page	003556 / 000790
Instrument Date	Jan 29, 2018
Instrument	11385
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	AMERICAN GUARDIAN TITLE INC

Transaction

Amount	Amount Recorded
Tax	$917.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10244 WATERSIDE OAKS DR TAMPA FL 336473193, TAMPA, FL 33647-3193

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 27, 2017
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Document Number	0035200194
Book / Page	003520 / 000194
Instrument Date	Oct 16, 2017
Instrument	61184
Transaction Type	Transfer
Record Updated	Nov 27, 2017
Title Company	CONSUMER TITLE AND ESCROW SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	440 S LA SALLE ST #2000 CHICAGO IL 606055011, 2000, CHICAGO, IL 60605-5011

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 11, 2017
Property Address	3598 DOW LN, SPRING HILL, FL 34609-3135
Document Number	0034970451
Book / Page	003497 / 000451
Instrument Date	Jul 11, 2017
Instrument	46279
Transaction Type	Foreclosure
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	6101 CONDOR DR MOORPARK CA 930212602, MOORPARK, CA 93021-2602

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$2,202.00 (+1.29%) Additional exemption filed	$193,687 (+5.99%)	$282,835 (-1.77%) Land $39,000 Building $243,835
2023		$182,746 (+3%) Land $182,746
2022	$2,174.00 Homeowner's exemption	$177,423	$287,946 Land $38,000 Building $249,946

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Flood Insurance Cost	Premium on Record 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

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 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

3598 Dow Ln, Spring Hill, FL 34609 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Dow Ln

Nearby Streets

Search Property Records by Address or Parcel Number