3606 Dow Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 3606 Dow Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,818 sqft · built 1991
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$308,000 (Nov 2025)
Tax Bill	$4,387 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5240-1635-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5240-1635-0030`
Alternative APNs	`00644725` `644725`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,818 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
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	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,020 sqft
Deck Area	336 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00644725
Street Address	3606 DOW LN
City	SPRING HILL
State	FL
Zip	34609-3137
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 24 BLK 1635 LOT 3
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 24
Legal Block	1635
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2012
Census Tract	40908

Owner

3606 Dow Ln is owned and occupied by two individuals who bought it in November 2025.

Source: Hernando County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3606 DOW LN, SPRING HILL, FL 34609-3137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Deed Document Number	202578160
Deed Book / Page	4632 / 1686
Prior Transfer Date	Sep 22, 2005
Prior Transfer Doc	0021220525
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 13, 2025
Property Address	3606 DOW LN, SPRING HILL, FL 34609-3137
Document Number	0046321686
Book / Page	4632 / 1686
Map Reference	MB 10 PG 53-63
Instrument Date	Nov 7, 2025
Instrument	2025078160
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	SUNSET TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,156.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 STONE HILL RD # RD237, RD237, WASHINGTONVILLE, NY 10992-1250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3606 DOW LN, SPRING HILL, FL 34609-3137

Mortgage

Document Number	0046321689
Date	Nov 13, 2025
Instrument	4632/1689

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 3606 Dow Ln was $4,387.

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	$4,387.00	$258,893 Land $39,000 Building $219,893	$258,893 Land $39,000 Building $219,893
2023		$257,893 Land $42,636 Building $215,257
2022	$3,916.00		$257,893 Land $38,000 Building $219,893

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

Flood

FEMA maps place 3606 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

Wildfire risk around 3606 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.

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