6431 Spring Hill Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 6431 Spring Hill Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1969
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Nov 2025)
Tax Bill	$1,618 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5010-0050-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5010-0050-0200`
Alternative APNs	`00214495` `214495`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	1,506 sqft
1st Floor Area	988 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1981
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	338 sqft
Carport	Carport
Carport Area	338 sqft
Parking Spaces	1 Parking Space
Porch	Screened/Unfinished Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00214495
Street Address	6431 SPRING HILL DR
City	SPRING HILL
State	FL
Zip	34606-4829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 1 BLK 50 LOT 20
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 1
Legal Block	50
Legal Lot Number	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1039
Census Tract	41302

Owner

Source: Hernando County records, as of December 8, 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
Mailing Address	3483 CHARMWOOD AVE, SPRING HILL, FL 34609-2307
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Warranty Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
Aug 11, 2020	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Apr 3, 2020	Warranty Deed, Transfer · Conventional with PMI ALBER INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Oct 11, 2023 · Amount on Record
Deed Document Number	202576728
Deed Book / Page	4630 / 176
Prior Transfer Date	Sep 28, 2023
Prior Transfer Doc	0043530100
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 6, 2025
Property Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829
Document Number	0046300176
Book / Page	4630 / 176
Map Reference	MB 7 PG 53-64
Instrument Date	Oct 28, 2025
Instrument	2025076728
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	MILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12411 MONDRAGON DR, TAMPA, FL 33625-6561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3483 CHARMWOOD AVE, SPRING HILL, FL 34609-2307

Mortgage

Document Number	0004630178
Date	Nov 6, 2025
Instrument	4630/178

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 11, 2023
Property Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829
Document Number	0043530100
Book / Page	4353 / 100
Map Reference	MB 7 PG 53-64
Instrument Date	Sep 28, 2023
Instrument	2023065151
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	ALL REAL ESTATE TITLE SERVICES INC, ALL REAL ESTATE TTL SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829

Mortgage

Document Number	0004353103
Date	Oct 11, 2023
Instrument	4353/103

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 11, 2020
Property Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829
Document Number	0038740552
Book / Page	3874 / 552
Map Reference	MB 7 PG 53-64
Instrument Date	Aug 7, 2020
Instrument	2020048803
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	HOMELAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16607 US HIGHWAY 19, 16607, HUDSON, FL 34667-4381

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829

Mortgage

Document Number	3874553
Date	Aug 11, 2020
Instrument	3874/553

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 3, 2020
Property Address	6431 SPRING HILL DR, SPRING HILL, FL 34606-4829
Document Number	0038260074
Book / Page	003826 / 000074
Instrument Date	Mar 25, 2020
Instrument	21655
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$392.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16607 US HIGHWAY 19 HUDSON FL 346674381, HUDSON, FL 34667-4381

Mortgage

Document Number	38260076
Date	Apr 3, 2020
Book Page	003826/000076
Instrument	21656

Lender

Name	ALBER INVESTMENTS LLC
Type	Bank
Address	FORT LAUDERDALE, FL 33304

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,618.00 (+260.36%)	$104,361 (+71.11%)	$109,126 (+0.87%) Land $30,469 Building $78,657
2023		$60,991 (+3%) Land $60,991
2022	$449.00 Homeowner's exemption	$59,215	$108,190 Land $29,531 Building $78,659

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Not rated no burnable land within ember reach

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 445 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	1,000 / 35

May also be available: AT&T, Verizon.

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