Hernando County property record for 431 Old Windsor Way, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,562 sqft · built 2018 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,100 (Aug 2018) |
| Tax Bill | $3,070 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Aug 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R34-223-18-3755-0070-0850 |
| Primary APN | R34-223-18-3755-0070-0850 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,562 sqft Living Area |
| 1st Floor Area | 1,562 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 472 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01763096 |
|---|---|
| Street Address | 431 OLD WINDSOR WAY |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGES OF AVALON PH 3B-1 BLK 7 LOT 85 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 34 |
| Legal Subdivision | VILLAGES OF AVALON PH 3B-1 |
| Legal Block | 7 |
| Legal Lot Number | 85 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 40906 |
431 Old Windsor Way is owned and occupied by an individual who bought it in August 2018.
Source: Hernando County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| 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.
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 15, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Mar 15, 2018 | Loan Modification, Mortgage · Line of Credit BANK OF AMERICA/IL |
| Mar 15, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2018 · Amount on File |
| Deed Sale | Aug 15, 2018 · Amount on File |
| Prior Sale | Mar 15, 2018 · Amount on File |
| Deed Document Number | 0036131403 |
| Deed Book / Page | 3613 / 1403 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Document Number | 0040121065 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 4012/1065 |
| Instrument | 2021044626 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 328 Months |
| Due | Oct 1, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 15, 2018 |
| Property Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Document Number | 0036131403 |
| Book / Page | 3613 / 1403 |
| Map Reference | MB42 PG15-19 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 2018049466 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | FIDELITY NATL TITLE OF FLORI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3925 COCUNT DR117, 3925, TAMPA, FL 33619 |
| Name | Verified Name |
|---|---|
| Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Document Number | 2018049467 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 2018049467 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 15, 2018 |
| Property Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Document Number | 0035621028 |
| Book / Page | 003562 / 001028 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 15459 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 35621028 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 003562/001028 |
| Instrument | 15459 |
| Name | BANK OF AMERICA/IL |
|---|---|
| Type | Bank |
| Address | 2380 PERFORMANCE DR # C-TX2-, RICHARDSON, TX 75082-4333 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 15, 2018 |
| Property Address | 431 OLD WINDSOR WAY, SPRING HILL, FL 34609-4637 |
| Document Number | 0035620829 |
| Book / Page | 003562 / 000829 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 15377 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,172.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3925 COCONUT PALM DR #117 TAMPA FL 336191303, 117, TAMPA, FL 33619-1303 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 431 Old Windsor Way was $3,070 with an additional exemption.
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,070.00 Additional exemption filed | $254,504 Land $53,502 Building $201,002 | $254,504 Land $53,502 Building $201,002 |
| 2023 | $241,742 (+3%) Land $31,497 Building $210,245 | ||
| 2022 | $3,070.00 Homeowner's exemption | $234,701 Land $42,508 Building $192,193 | $244,547 Land $53,502 Building $191,045 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Old Windsor Way 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
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 risk around 431 Old Windsor Way is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 304 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 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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