698 Winthrop Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 698 Winthrop Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,529 sqft · built 2008
Lot Size	0.151 acres (6,556 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Sep 2024)
Tax Bill	$4,176 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Aug 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R34-223-18-3749-0190-0410`

Property Details

APN / Parcel Number

Primary APN	`R34-223-18-3749-0190-0410`
Alternative APNs	`01591888` `1591888`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,529 sqft Living Area
Gross Area	2,146 sqft
1st Floor Area	1,529 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,556 sqft (0.151 acres)
Garage Type	Attached
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	182 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01591888
Street Address	698 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 41
Legal Range	18E
Legal Township	23S
Legal Section	34
Legal Subdivision	VILLAGES AT AVALON PH 1
Legal Block	19
Legal Lot Number	41
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	4
Census Block	4012
Census Tract	40906

Owner

698 Winthrop Dr is owned and occupied by an individual who bought it in September 2024.

Source: Hernando County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	698 WINTHROP DR, SPRING HILL, FL 34609-2037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage M & I BANK
Aug 7, 2017	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2024 · Amount on File
Deed Sale	Sep 5, 2024 · Amount on File
Prior Sale	Sep 17, 2008 · Amount on File
Deed Document Number	202456163
Deed Book / Page	4467 / 1429
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	698 WINTHROP DR, SPRING HILL, FL 34609-2037
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 WINTHROP DR, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0041830690
Date	Jun 13, 2022
Book Page	4183/690
Instrument	2022045802

Lender

Name	M & I BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

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

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	698 WINTHROP DR, SPRING HILL, FL 34609-2037
Document Number	0035041682
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 WINTHROP DR SPRING HILL FL 346092037, SPRING HILL, FL 34609-2037

Mortgage

Document Number	0035041682
Date	Sep 6, 2017
Book Page	003504/001682
Instrument	50898

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 698 Winthrop Dr was $4,176.

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	$4,176.00	$245,108 Land $47,859 Building $187,970	$245,108 Land $47,859 Building $187,970
2023		$101,858 (+3%) Land $101,858
2022	$946.00 Homeowner's exemption	$98,891	$235,519 Land $47,859 Building $187,660

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

FEMA maps place 698 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 698 Winthrop Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 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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