Hernando County property record for 4318 River Birch Dr, Spring Hill, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 5,325 sqft · built 1987 |
| Lot Size | 0.499 acres (21,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $489,900 (Sep 2025) |
| Tax Bill | $460 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Oct 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R09-223-17-2641-0004-0040 |
| Primary APN | R09-223-17-2641-0004-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 5,325 sqft Living Area |
| Gross Area | 6,012 sqft |
| 1st Floor Area | 5,325 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,742 sqft (0.499 acres) |
| Garage Type | Attached |
| Garage Area | 687 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 640 sqft |
|---|---|
| Porch | Screened Aluminum Porch |
| Porch Area | 420 sqft |
| Deck Area | 204 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00971586 |
|---|---|
| Street Address | 4318 RIVER BIRCH DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34607-2514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE IN THE WOODS PHASE I BLK 4 LOT 4 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | LAKE IN THE WOODS PH I |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 41502 |
4318 River Birch Dr is owned and occupied by two individuals who bought it in September 2025.
Source: Hernando County records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4318 RIVER BIRCH DR, SPRING HILL, FL 34607-2514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 9, 2023 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Oct 20, 2023 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Sep 17, 2025 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on File |
| Deed Sale | Sep 17, 2025 · Amount on File |
| Prior Sale | Dec 27, 2016 · Amount on File |
| Deed Document Number | 202564726 |
| Deed Book / Page | 4610 / 1378 |
| Prior Transfer Date | Oct 10, 2007 |
| Prior Transfer Doc | 0028071828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4318 RIVER BIRCH DR, SPRING HILL, FL 34607-2514 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4318 RIVER BIRCH DR, WEEKI WACHEE, FL 34607-2514 |
| Document Number | 0043061603 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | 4306/1603 |
| Instrument | 2023035241 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 8, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 4318 RIVER BIRCH DR, SPRING HILL, FL 34607-2514 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4318 RIVER BIRCH DR, WEEKI WACHEE, FL 34607-2514 |
| Document Number | 0043560733 |
|---|---|
| Date | Oct 20, 2023 |
| Book Page | 4356/733 |
| Instrument | 2023067281 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 17, 2025 |
| Property Address | 4318 RIVER BIRCH DR, SPRING HILL, FL 34607-2514 |
| Document Number | 0046101378 |
| Book / Page | 4610 / 1378 |
| Map Reference | MB 17 PG 96 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 2025064726 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,429.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3529 CLINTON RD, PADUCAH, KY 42001-5821 |
| Name | Verified Name |
|---|---|
| Address | 4318 RIVER BIRCH DR, SPRING HILL, FL 34607-2514 |
| Document Number | 0046101380 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 4610/1380 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 4318 River Birch Dr was $460, down 0.6% from the year before.
Source: Hernando County assessment roll, as of December 8, 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 | $460.00 (-0.65%) | $321,475 (+2.9%) | $594,395 (+6.16%) Land $45,658 Building $548,737 |
| 2024 | $463.00 Additional exemption filed | $312,415 (+3%) | $559,879 Land $45,658 Building $514,221 |
| 2023 | Additional exemption filed | $303,316 (+3%) Land $303,316 | |
| 2022 | $6,605.00 Disabled Person's exemption Veteran's exemption | $294,482 | $553,422 Land $45,658 Building $507,764 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4318 River Birch 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 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
| Nearby Flood Claims | 52 (1983–2024) |
| Claims Outside the SFHA | 7 of 52 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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 4318 River Birch Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
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 129 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 |
| Spectrum Cable | 1,000 / 35 |
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