4089 Ramona Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 4089 Ramona Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1985
Lot Size	0.152 acres (6,605 sqft)
Owner	Individual Name on Record
Last Sale	$103,700 (Jul 2017)
Tax Bill	$2,639 (2025)
Deeds & Mortgages	Mar 2020 Second Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R15-223-17-4230-0000-2960`

Property Details

APN / Parcel Number

Primary APN	`R15-223-17-4230-0000-2960`
Alternative APNs	`R152231742300000W296` `00180306` `180306`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Gross Area	1,989 sqft
1st Floor Area	1,284 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,605 sqft (0.152 acres)
Lot Dimensions	102 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00180306
Street Address	4089 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 W296 OR 340 PG 549
Legal Range	17E
Legal Township	23S
Legal Section	15
Legal Subdivision	WEEKI WACHEE WOODLANDS UN 1
Legal Lot Number	W296
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1018
Census Tract	41204

Owner

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

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	4089 RAMONA DR, SPRING HILL, FL 34606-2420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GTE FCU
Jul 12, 2017	Warranty Deed, Transfer · Conventional with PMI PATRIOT LNDG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Jan 1, 2017 · Amount on Record
Deed Document Number	201739579
Deed Book / Page	3487 / 1272
Last Transfer Date	Dec 6, 2024
Transfer Doc	0045040261
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4089 RAMONA DR, SPRING HILL, FL 34606-2420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038180440
Date	Mar 13, 2020
Book Page	3818/440
Instrument	2020016822

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 12, 2017
Property Address	4089 RAMONA DR, SPRING HILL, FL 34606-2420
Document Number	0034871272
Book / Page	003487 / 001272
Instrument Date	Jul 7, 2017
Instrument	39579
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$725.90
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4089 RAMONA DR SPRING HILL FL 346062420, SPRING HILL, FL 34606-2420

Mortgage

Document Number	34871274
Date	Jul 12, 2017
Book Page	003487/001274
Instrument	39580

Lender

Name	PATRIOT LNDG SVCS
Address	CARNEGIE, PA 15106

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 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	$2,639.00 (+26.51%)	$175,834 (+48.53%) Land $30,053 Building $145,781	$175,834 (+7.29%) Land $30,053 Building $145,781
2023		$118,384 Land $118,384
2022	$2,086.00		$163,886 Land $13,871 Building $150,015

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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