648 Winthrop Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 648 Winthrop Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,881 sqft · built 2006
Lot Size	0.23 acres (9,997 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Oct 2020)
Tax Bill	$4,840 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R34-223-18-3749-0190-0350`

Property Details

APN / Parcel Number

Primary APN	`R34-223-18-3749-0190-0350`
Alternative APNs	`01591824` `1591824`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,881 sqft Living Area
Gross Area	2,655 sqft
1st Floor Area	1,881 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,997 sqft (0.23 acres)
Garage Type	Attached
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	305 sqft
Patio Area	550 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01591824
Street Address	648 WINTHROP DR
City	SPRING HILL
State	FL
Zip	34609-2037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES AT AVALON PHASE 1 BLK 19 LOT 35
Legal Range	18E
Legal Township	23S
Legal Section	34
Legal Subdivision	VILLAGES AT AVALON PH 1
Legal Block	19
Legal Lot Number	35
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	4
Census Block	4012
Census Tract	40906

Owner

648 Winthrop Dr is owned by an individual who bought it in October 2020.

Source: Hernando County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	9410 COCHISE LN, PORT RICHEY, FL 34668-4601
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
Oct 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 23, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage CORELOGIC SOLEX
Oct 28, 2020	Warranty Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORPORATION
May 4, 2019	Loan Modification, Mortgage · Conventional Mortgage SCHONBRUN HARVEY (TE)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Prior Sale	May 29, 2007 · Amount on File
Deed Document Number	202067661
Deed Book / Page	3905 / 1119
Prior Transfer Date	Oct 6, 2008
Prior Transfer Doc	0026090428
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0043551022
Date	Oct 18, 2023
Book Page	4355/1022
Instrument	2023066706

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2063

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0041871497
Date	Jun 23, 2022
Book Page	4187/1497
Instrument	2022048644

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0040811130
Date	Nov 5, 2021
Book Page	4081/1130
Instrument	2021083833

Lender

Name	CORELOGIC SOLEX
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 28, 2020
Property Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0039051119
Book / Page	3905 / 1119
Map Reference	MB 36 PG 24
Instrument Date	Oct 26, 2020
Instrument	2020067661
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	NIRVANA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27 FELDMEYERS LN, 27, STATEN ISLAND, NY 10314-4707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9410 COCHISE LN, PORT RICHEY, FL 34668-4601

Mortgage

Document Number	0039051121
Date	Oct 28, 2020
Instrument	3905/1121

Lender

Name	HOMESPIRE MORTGAGE CORPORATION
Type	Non-Lending Institution

Agreement

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

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	648 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0037090301
Instrument Date	May 4, 2019
Transaction Type	Mortgage
Record Updated	Jul 2, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 FELDMEYERS LN STATEN ISLAND NY 103144707, STATEN ISLAND, NY 10314-4707

Mortgage

Document Number	0037090301
Date	May 30, 2019
Book Page	003709/000301
Instrument	33237

Lender

Name	SCHONBRUN HARVEY (TE)
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	12.6%

Tax Assessment & Valuation

The 2025 property tax bill for 648 Winthrop Dr was $4,840.

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	$4,840.00	$291,576 Land $67,480 Building $218,619	$291,576 Land $67,480 Building $218,619
2023		$252,011 (-6.32%) Land $42,413 Building $209,598
2022	$4,006.00	$269,014 Land $53,684 Building $215,330	$280,232 Land $67,480 Building $212,752

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

Flood

FEMA maps place 648 Winthrop 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 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

Wildfire risk around 648 Winthrop Dr 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 93% of the US · lower than 94% 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.

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 298 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	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Tillman Fiber.

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