3848 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 3848 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,829 sqft · built 1986
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2024)
Tax Bill	$4,008 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0618-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0618-0060`
Alternative APNs	`00288227` `288227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,829 sqft Living Area
Gross Area	2,713 sqft
1st Floor Area	1,829 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1994
Exterior Material	Combination
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	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,104 sqft
Deck Area	84 sqft
Patio Area	580 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00288227
Street Address	3848 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-4041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 618 LOT 6
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	618
Legal Lot Number	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1022
Census Tract	40907

Owner

3848 Lema Dr is owned and occupied by two individuals who bought it in May 2024.

Source: Hernando County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3848 LEMA DR, SPRING HILL, FL 34609-4041
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
May 13, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 31, 2018	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP
Aug 22, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2024 · Amount on File
Deed Sale	May 8, 2024 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	202426950
Deed Book / Page	4420 / 1262
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	May 13, 2026
Property Address	3848 LEMA DR, SPRING HILL, FL 34609-4041
Document Number	0000032049
Book / Page	4707 / 1958
Instrument Date	Apr 30, 2026
Instrument	202632049
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 LEMA DR, SPRING HILL, FL 34609-4041

Mortgage

Document Number	0000032049,
Date	May 13, 2026
Book Page	4707/1958
Instrument	202632049

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 31, 2018
Property Address	3848 LEMA DR, SPRING HILL, FL 34609-4041
Document Number	0036570511
Book / Page	3657 / 0511
Map Reference	MB 8 PG 54
Instrument Date	Dec 28, 2018
Instrument	2018078149
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ARROW TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1022 LAND O LAKES BLVD, 1022, LUTZ, FL 33549-2917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 LEMA DR, SPRING HILL, FL 34609-4041

Mortgage

Document Number	2018078150
Date	Dec 31, 2018
Instrument	2018078150

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 22, 2018
Property Address	3848 LEMA DR, SPRING HILL, FL 34609-4041
Document Number	0036151325
Book / Page	003615 / 001325
Instrument Date	Aug 20, 2018
Instrument	50867
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,057.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1022 LAND 0 LAKES BLVD LUTZ FL 33549, LUTZ, FL 33549

Tax Assessment & Valuation

The 2025 property tax bill for 3848 Lema Dr was $4,008.

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	$4,008.00	$232,313 Land $28,100 Building $204,213	$232,313 Land $28,100 Building $204,213
2023		$188,473 Land $5,987 Building $182,486
2022	$3,106.00		$226,978 Land $25,000 Building $201,978

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

Flood

FEMA maps place 3848 Lema Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2012–2018)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2018 · other causes

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 3848 Lema Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 339 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
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Lema Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures