3975 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 3975 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,618 sqft · built 1987
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,199 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0865-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0865-0020`
Alternative APNs	`00297299` `297299`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,618 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
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	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Screened Porch
Porch Area	997 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00297299
Street Address	3975 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-4049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 865 LOT 2
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	865
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1030
Census Tract	40907

Owner

Source: Hernando County records, as of February 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 30, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 27, 2024	Intrafamily Transfer, Transfer
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 27, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 3, 2015
Transfer Doc	0000019371
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 29, 2026
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Document Number	0000051538
Book / Page	4741 / 1820
Instrument Date	Jul 24, 2026
Instrument	202651538
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LEMA DR, SPRING HILL, FL 34609-4049

Mortgage

Document Number	0000051538,
Date	Jul 29, 2026
Book Page	4741/1820
Instrument	202651538

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jan 30, 2026
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Document Number	0046620420
Book / Page	4662 / 420
Map Reference	MB 8 PG 84-100
Instrument Date	Jan 30, 2026
Instrument	2026005769
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3975 LEMA DR, SPRING HILL, FL 34609-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4507 YORKSHIRE AVE, SPRING HILL, FL 34609-1755

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Mar 27, 2024
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Document Number	0044071664
Book / Page	4407 / 1664
Map Reference	MB 8 PG 84-100
Instrument Date	Mar 27, 2024
Instrument	2024019562
Transaction Type	Transfer
Record Updated	May 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3975 LEMA DR, SPRING HILL, FL 34609-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LEMA DR, SPRING HILL, FL 34609-4049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Transaction Type	Mortgage
Record Updated	Jul 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040101950
Date	Jun 10, 2021
Book Page	4010/1950
Instrument	2021043634

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Document Number	0038601084
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LEMA DR SPRING HILL FL 346094049, SPRING HILL, FL 34609-4049

Mortgage

Document Number	0038601084
Date	Jul 8, 2020
Book Page	003860/001084
Instrument	41115

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3975 LEMA DR, SPRING HILL, FL 34609-4049
Document Number	0034551540
Book / Page	003455 / 001540
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LEMA DR SPRING HILL FL 346094049, SPRING HILL, FL 34609-4049

Mortgage

Document Number	0034551540
Date	Apr 4, 2017
Book Page	003455/001540
Instrument	18885

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2047

Tax Assessment & Valuation

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	$1,199.00 (+137.43%)	$74,077 (+5.99%)	$214,904 (+0.09%) Land $35,625 Building $179,279
2023		$69,892 Land $69,892
2022	$505.00		$214,709 Land $30,400 Building $184,309

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 246 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 · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

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