4190 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 4190 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 1985
Lot Size	0.533 acres (23,205 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Nov 2025)
Tax Bill	$3,894 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Mar 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0621-0100`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0621-0100`
Alternative APNs	`00288682` `288682`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	2,836 sqft
1st Floor Area	1,770 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	23,205 sqft (0.533 acres)
Lot Dimensions	179 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,404 sqft
Deck Area	112 sqft
Patio Area	32 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00288682
Street Address	4190 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-4152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 621 LOT 10 OR 445 PG 858
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	621
Legal Lot Number	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1017
Census Tract	40907

Owner

4190 Lema Dr is owned and occupied by an individual who bought it in November 2025.

Source: Hernando County records, as of January 15, 2026

Owner of Record	Individual Name on File
Mailing Address	4190 LEMA DR, SPRING HILL, FL 34609-4152
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Nov 14, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 16, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on File
Deed Sale	Nov 14, 2025 · Amount on File
Prior Sale	Aug 8, 2017
Deed Document Number	202578601
Deed Book / Page	4633 / 1207
Prior Transfer Date	Jul 18, 2024
Prior Transfer Doc	0044491934
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 14, 2025
Property Address	4190 LEMA DR, SPRING HILL, FL 34609-4152
Document Number	0046331207
Book / Page	4633 / 1207
Map Reference	MB 8 PG 54-66
Instrument Date	Oct 30, 2025
Instrument	2025078601
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	CHAMPION'S TITLE SERVICES LLC, CHAMPIONS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1767 LARKIN RD, SPRING HILL, FL 34608-6459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 LEMA DR, SPRING HILL, FL 34609-4152

Mortgage

Document Number	0046331209
Date	Nov 14, 2025
Instrument	4633/1209

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Mar 16, 2023
Property Address	4190 LEMA DR, SPRING HILL, FL 34609-4152
Document Number	0042751162
Book / Page	4275 / 1162
Map Reference	MB 8 PG 54-66
Instrument Date	Mar 6, 2023
Instrument	2023014350
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4190 LEMA DR, SPRING HILL, FL 34609-4152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4190 LEMA DR, SPRING HILL, FL 34609-4152

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 8, 2017
Property Address	4190 LEMA DR, SPRING HILL, FL 34609-4152
Document Number	0034951820
Book / Page	003495 / 001820
Instrument Date	Jul 31, 2017
Instrument	45369
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4190 LEMA DR SPRING HILL FL 346094152, SPRING HILL, FL 34609-4152

Tax Assessment & Valuation

The 2025 property tax bill for 4190 Lema Dr was $3,894.

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	$3,894.00	$263,813 Land $52,211 Building $211,602	$263,813 Land $52,211 Building $211,602
2023	Additional exemption filed	$115,547 (+3%) Land $115,547
2022	$2,674.00 Homeowner's exemption	$112,182	$264,206 Land $46,410 Building $217,796

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 4190 Lema Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 4190 Lema Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 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.

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