Hernando County property record for 396 Winthrop Dr, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,250 sqft · built 2009 |
| Lot Size | 0.138 acres (6,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Mar 2010) |
| Tax Bill | $2,255 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R34-223-18-3749-0190-0050 |
| Primary APN | R34-223-18-3749-0190-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,250 sqft Living Area |
| Gross Area | 3,020 sqft |
| 1st Floor Area | 1,160 sqft |
| Upper Floors Area | 1,090 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,001 sqft (0.138 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 287 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01591520 |
|---|---|
| Street Address | 396 WINTHROP DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-2090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGES AT AVALON PHASE 1 BLK 19 LOT 5 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 34 |
| Legal Subdivision | VILLAGES AT AVALON PH 1 |
| Legal Block | 19 |
| Legal Lot Number | 5 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 40906 |
Source: Hernando County records, as of June 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 1, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2010 · Amount on Record |
| Deed Sale | Mar 17, 2010 · Amount on Record |
| Deed Document Number | 201014630 |
| Deed Book / Page | 2727 / 822 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 18, 2026 |
| Property Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Document Number | 0000033268 |
| Book / Page | 4710 / 150 |
| Instrument Date | May 8, 2026 |
| Instrument | 202633268 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Document Number | 0000033268, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 4710/150 |
| Instrument | 202633268 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Document Number | 0042630908 |
|---|---|
| Date | Feb 1, 2023 |
| Book Page | 4263/908 |
| Instrument | 2023006578 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 259 Months |
| Due | Sep 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 396 WINTHROP DR, SPRING HILL, FL 34609-2090 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0039071848 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 3907/1848 |
| Instrument | 2020069005 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 286 Months |
| Due | Sep 1, 2044 |
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 | $2,255.00 (+45.77%) Homeowner's exemption | $149,916 (+5.99%) | $310,059 (-6.05%) Land $43,807 Building $266,252 |
| 2023 | $141,448 Land $141,448 | ||
| 2022 | $1,547.00 | $330,012 Land $43,807 Building $286,205 |
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% 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.
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 304 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 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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