Hernando County property record for 7116 Navy Dr, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,306 sqft · built 2006 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,000 (Dec 2018) |
| Tax Bill | $1,404 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R34-222-18-3620-0000-0370 |
| Primary APN | R34-222-18-3620-0000-0370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,306 sqft Living Area |
| 1st Floor Area | 1,306 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 34,848 sqft (0.8 acres) |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Screened Porch |
| Porch Area | 169 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00130405 |
|---|---|
| Street Address | 7116 NAVY DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-8806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNHILL LOT 37 ORB 349 PG 612 |
| Legal Range | 18E |
| Legal Township | 22S |
| Legal Section | 34 |
| Legal Subdivision | SUNHILL |
| Legal Lot Number | 37 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40909 |
7116 Navy Dr is owned and occupied by an individual who bought it in December 2018.
Source: Hernando County records, as of December 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Dec 27, 2018 | Warranty Deed, Transfer · Conventional with PMI USAA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2018 · Amount on File |
| Deed Sale | Dec 27, 2018 · Amount on File |
| Prior Sale | Jul 1, 2005 · Amount on File |
| Deed Document Number | 2018077199 |
| Deed Book / Page | 3655 / 1418 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Document Number | 0042820067 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | 4282/67 |
| Instrument | 2023018633 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Mar 22, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Document Number | 0039431516 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 3943/1516 |
| Instrument | 2021005138 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Dec 27, 2018 |
| Property Address | 7116 NAVY DR, SPRING HILL, FL 34609-8806 |
| Document Number | 0036551418 |
| Book / Page | 003655 / 001418 |
| Instrument Date | Dec 21, 2018 |
| Instrument | 77199 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2019 |
| Title Company | PAPPAS LAW AND TITLE, PAPPAS LAW & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,344.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7116 NAVY DR SPRING HILL FL 346098806, SPRING HILL, FL 34609-8806 |
| Document Number | 36551419 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 003655/001419 |
| Instrument | 77200 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 26, 2048 |
The 2025 property tax bill for 7116 Navy Dr was $1,404 with an additional exemption.
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,404.00 Additional exemption filed | $137,794 | $222,349 Land $33,459 Building $188,890 |
| 2023 | $130,011 Land $130,011 | ||
| 2022 | $1,373.00 | $216,083 Land $33,459 Building $182,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7116 Navy Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 File median of 26 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 26 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
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 risk around 7116 Navy Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 78 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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