654 Winthrop Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 654 Winthrop Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Mar 2023)
Tax Bill	$3,326 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Apr 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R34-223-18-3749-0190-0360`

Property Details

APN / Parcel Number

Primary APN	`R34-223-18-3749-0190-0360`
Alternative APNs	`01591833` `1591833`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,830 sqft Living Area
1st Floor Area	1,830 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01591833
Street Address	654 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 36
Legal Range	18E
Legal Township	23S
Legal Section	34
Legal Subdivision	VILLAGES AT AVALON PH 1
Legal Phase	1
Legal Block	19
Legal Lot Number	36
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	4
Census Block	4012
Census Tract	40906

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	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Apr 26, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Jun 3, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 26, 2019	Grant Deed, Transfer · Construction Mortgage GROUNDFLOOR HLDGS GA LLC
Oct 11, 2019	Correction Deed, Foreclosure ATTORNEY ONLY
Oct 4, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	2023013668
Deed Book / Page	4274 / 730
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 14, 2023
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0042740730
Book / Page	4274 / 730
Map Reference	MB 36 PG 24-37
Instrument Date	Mar 9, 2023
Instrument	2023013668
Transaction Type	Transfer
Record Updated	Apr 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	453 HUXLEY DR, CHEEKTOWAGA, NY 14225-1064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0004274732
Date	Mar 14, 2023
Instrument	4274/732

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0039871522
Date	Apr 26, 2021
Book Page	3987/1522
Instrument	2021029855

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 3, 2020
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0038461934
Book / Page	3846 / 1934
Map Reference	MB 36 PG 24-37
Instrument Date	Jun 1, 2020
Instrument	2020033328
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	38461936
Date	Jun 3, 2020
Instrument	3846/1936

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 26, 2019
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0037881092
Book / Page	003788 / 001092
Instrument Date	Nov 1, 2019
Instrument	80901
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$973.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	233 E WILBUR AVE LAKE MARY FL 327463245, LAKE MARY, FL 32746-3245

Mortgage

Document Number	37881095
Date	Dec 26, 2019
Book Page	003788/001095
Instrument	80902

Lender

Name	GROUNDFLOOR HLDGS GA LLC
Address	ATLANTA, GA 30308

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 25, 2020

October 2019: Correction Deed, Foreclosure

Document Type	Correction Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 11, 2019
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0037601658
Book / Page	003760 / 001658
Instrument Date	Aug 29, 2019
Instrument	63967
Transaction Type	Foreclosure
Record Updated	May 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 4, 2019
Property Address	654 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0037580483
Book / Page	003758 / 000483
Instrument Date	Aug 29, 2019
Instrument	62270
Transaction Type	Foreclosure
Record Updated	Oct 25, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

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	$3,326.00 (-14.12%) Additional exemption filed	$272,458 (+6.82%) Land $46,721 Building $225,737	$272,458 (+6.82%) Land $46,721 Building $225,737
2023		$255,066 (+30.73%) Land $63,081 Building $191,985
2022	$3,873.00 Homeowner's exemption	$195,108	$255,066 Land $46,721 Building $208,345

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 398 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

654 Winthrop Dr, Spring Hill, FL 34609 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Correction Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2019: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Winthrop Dr

Nearby Streets

Search Property Records by Address or Parcel Number