4200 Lema Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 4200 Lema Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 1982
Lot Size	0.52 acres (22,652 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Oct 2020)
Tax Bill	$3,995 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0621-0090`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0621-0090`
Alternative APNs	`00288673` `288673`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,960 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1989
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,652 sqft (0.52 acres)
Lot Dimensions	180 ft deep x 124 ft wide

Exterior Amenities

Pool Area	392 sqft
Porch	Enclosed Porch
Porch Area	1,568 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00288673
Street Address	4200 LEMA DR
City	SPRING HILL
State	FL
Zip	34609-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 621 LOT 9 ORB 349 PG 103
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	621
Legal Lot Number	9
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1017
Census Tract	40907

Owner

4200 Lema Dr is owned and occupied by an individual who bought it in October 2020.

Source: Hernando County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	4200 LEMA DR, SPRING HILL, FL 34609-4114
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 9, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 20, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF NAT'L TR & SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2020 · Amount on File
Deed Sale	Oct 9, 2020 · Amount on File
Prior Sale	Feb 20, 2018 · Amount on File
Deed Document Number	202063059
Deed Book / Page	3898 / 478
Prior Transfer Date	Sep 15, 2014
Prior Transfer Doc	0031271540
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Sep 23, 2026
Property Address	4200 LEMA DR, SPRING HILL, FL 34609-4114
Document Number	0000063790
Book / Page	4762 / 1633
Instrument Date	Aug 28, 2026
Instrument	202663790
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 LEMA DR, SPRING HILL, FL 34609-4114

Mortgage

Document Number	0000063790,
Date	Sep 23, 2026
Book Page	4762/1633
Instrument	202663790

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	290 Months
Due	Nov 1, 2050

Interest

Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 9, 2020
Property Address	4200 LEMA DR, SPRING HILL, FL 34609-4114
Document Number	0038980478
Book / Page	3898 / 478
Map Reference	MB 8 PG 54-66
Instrument Date	Oct 7, 2020
Instrument	2020063059
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE OF SUNCOAST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 25412, PROVIDENCE, RI 02905-0412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4200 LEMA DR, SPRING HILL, FL 34609-4114

Mortgage

Document Number	3898480
Date	Oct 9, 2020
Instrument	3898/480

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 20, 2018
Property Address	4200 LEMA DR, SPRING HILL, FL 34609-4114
Document Number	0035541138
Book / Page	003554 / 001138
Instrument Date	Feb 14, 2018
Instrument	10058
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	SOUTHERN SECURITY TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4200 LEMA DR SPRING HILL FL 346094114, SPRING HILL, FL 34609-4114

Mortgage

Document Number	35541139
Date	Feb 20, 2018
Book Page	003554/001139
Instrument	10059

Lender

Name	BANK OF NAT'L TR & SVGS
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4200 Lema Dr was $3,995 with a homeowner's exemption.

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	$3,995.00 Homeowner's exemption	$270,874	$295,729 Land $110,995 Building $184,734
2023		$217,834 (-3.15%) Land $40,436 Building $177,398
2022	$3,596.00	$224,920 Land $47,796 Building $177,124	$263,335 Land $60,028 Building $203,307

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4200 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 4200 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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