4085 Ramona Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 4085 Ramona Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,142 sqft · built 1989
Lot Size	0.159 acres (6,941 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2023)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R15-223-17-4230-0000-2950`

Property Details

APN / Parcel Number

Primary APN	`R15-223-17-4230-0000-2950`
Alternative APNs	`R152231742300000W295` `00180299` `180299`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
Gross Area	1,678 sqft
1st Floor Area	1,142 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,941 sqft (0.159 acres)
Lot Dimensions	106 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00180299
Street Address	4085 RAMONA DR
City	SPRING HILL
State	FL
Zip	34606-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEEKI WACHEE WOODLANDS UNIT 1 LOT W295 OR 340 PG 549
Legal Range	17E
Legal Township	23S
Legal Section	15
Legal Subdivision	WEEKI WACHEE WOODLANDS UN 1
Legal Lot Number	W295
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1018
Census Tract	41204

Owner

4085 Ramona Dr is owned by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	8730 BERMUDA LN, PORT RICHEY, FL 34668-5940
Owner Type	Individual
Vesting	Unmarried

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
Jul 11, 2023	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Oct 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	Sep 15, 2010 · Amount on File
Deed Document Number	202342439
Deed Book / Page	4318 / 273
Prior Transfer Date	Sep 7, 2016
Prior Transfer Doc	0033931118
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 11, 2023
Property Address	4085 RAMONA DR, SPRING HILL, FL 34606-2420
Document Number	0043180273
Book / Page	4318 / 273
Map Reference	MB 6 PG 88A&88B
Instrument Date	Jun 29, 2023
Instrument	2023042439
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6766 TREEHAVEN DR, SPRING HILL, FL 34606-5761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8730 BERMUDA LN, PORT RICHEY, FL 34668-5940

Mortgage

Document Number	0004318275
Date	Jul 11, 2023
Instrument	4318/275

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0043180286
Date	Jul 11, 2023
Book Page	4318/286
Instrument	2023042441

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4085 RAMONA DR, SPRING HILL, FL 34606-2420
Document Number	0036320063
Instrument Date	Oct 3, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4085 RAMONA DR SPRING HILL FL 346062420, SPRING HILL, FL 34606-2420

Mortgage

Document Number	0036320063
Date	Oct 11, 2018
Book Page	003632/000063
Instrument	61916

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4085 Ramona Dr was $2,498.

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	$2,498.00	$165,891 Land $31,582 Building $134,309	$165,891 Land $31,582 Building $134,309
2023		$148,999 (+170.12%) Land $16,563 Building $132,436
2022	$2,262.00 Homeowner's exemption	$55,160	$148,999 Land $14,576 Building $134,423

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4085 Ramona Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (2011–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Jun 2012 · 2 claims

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 4085 Ramona Dr is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 444 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.

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