5039 Willow Oak Ln, Weeki Wachee (Spring Hill), FL 34607 Property Records

Hernando County property record for 5039 Willow Oak Ln, Weeki Wachee, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,397 sqft · built 1986
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Nov 2021)
Tax Bill	$3,828 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R09-223-17-2643-0007-0120`

Property Details

APN / Parcel Number

Primary APN	`R09-223-17-2643-0007-0120`
Alternative APNs	`01051480` `1051480`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,397 sqft Living Area
1st Floor Area	2,397 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	1,598 sqft
Deck Area	154 sqft
Patio Area	622 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01051480
Street Address	5039 WILLOW OAK LN
City	WEEKI WACHEE
State	FL
Zip	34607-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE IN THE WOODS PHASE III BLK 7 LOT 12
Legal Range	17E
Legal Township	23S
Legal Section	09
Legal Subdivision	LAKE IN THE WOODS PH III
Legal Phase	3
Legal Block	7
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1038
Census Tract	41502

Owner

Source: Hernando County records, as of December 10, 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
Co-owner	Co-owner on Record
Mailing Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage CF BANK
Feb 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 27, 2020	Loan Modification, Mortgage · Conventional Mortgage STEVEN J GARNER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Nov 21, 2013 · Amount on Record
Deed Document Number	2021089347
Deed Book / Page	4090 / 1585
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 24, 2021
Property Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367
Document Number	0040901585
Book / Page	4090 / 1585
Map Reference	MB 19 PG 39&40
Instrument Date	Nov 12, 2021
Instrument	2021089347
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16107 PINE RIDGE DR, 16107, HUDSON, FL 34667-4133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367

Mortgage

Document Number	0040901587
Date	Nov 24, 2021
Instrument	4090/1587

Lender

Name	CF BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367
Document Number	0038230648
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5039 WILLOW OAK LN WEEKI WACHEE FL 346072367, WEEKI WACHEE, FL 34607-2367

Mortgage

Document Number	0038230648
Date	Mar 27, 2020
Book Page	003823/000648
Instrument	20051

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367
Document Number	0038281506
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6101 CONDOR DR MOORPARK CA 930212602, MOORPARK, CA 93021-2602
Investor	Possibly a Property Investor

Mortgage

Document Number	0038281506
Date	Apr 13, 2020
Book Page	003828/001506
Instrument	23085

Lender

Name	STEVEN J GARNER
Address	5039 WILLOW OAK LN, WEEKI WACHEE, FL 34607-2367

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$3,828.00 (-4.28%) Additional exemption filed	$307,651 (+1.56%)	$398,895 (+31.69%) Land $44,591 Building $354,304
2023		$302,914 (-5.81%) Land $68,200 Building $234,714
2022	$3,999.00	$321,609 Land $35,848 Building $285,761	$302,914 Land $44,591 Building $258,323

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Helene, Sep 2024 · 9 claims Hurricane Idalia, Aug 2023 · 7 claims Hurricane Hermine, Sep 2016 · 5 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% 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 268 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

May also be available: Verizon.

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