7320 Royal Oak Dr, Spring Hill, FL 34607 Property Records

Hernando County property record for 7320 Royal Oak Dr, Spring Hill, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,404 sqft · built 1987
Lot Size	0.502 acres (21,876 sqft)
Owner	2 Individual Names on Record
Last Sale	$468,000 (Jan 2025)
Tax Bill	$3,015 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R09-223-17-2645-0007-0240`

Property Details

APN / Parcel Number

Primary APN	`R09-223-17-2645-0007-0240`
Alternative APNs	`01060265` `1060265`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,404 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	2,404 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,876 sqft (0.502 acres)
Garage Type	Attached
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Open Porch
Porch Area	1,661 sqft
Deck Area	144 sqft
Patio Area	1,089 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01060265
Street Address	7320 ROYAL OAK DR
City	SPRING HILL
State	FL
Zip	34607-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE IN THE WOODS PHASE V BLK 7 LOT 24
Legal Range	17E
Legal Township	23S
Legal Section	09
Legal Subdivision	LAKE IN THE WOODS PH V
Legal Block	7
Legal Lot Number	24
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1038
Census Tract	41502

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	2 Individual Names on Record
Mailing Address	7320 ROYAL OAK DR, SPRING HILL, FL 34607-2339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on Record
Deed Sale	Jan 9, 2025 · Amount on Record
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Document Number	20252651
Deed Book / Page	4510 / 1953
Prior Transfer Date	Dec 14, 2011
Prior Transfer Doc	0028681533
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 13, 2019
Property Address	7320 ROYAL OAK DR, SPRING HILL, FL 34607-2339
Document Number	0037390853
Book / Page	3739 / 0853
Map Reference	MB 19 PG 52&53
Instrument Date	Jul 29, 2019
Instrument	2019050760
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TOTAL TITLE SOLUTIONS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1529 MOUNTAIN VILLAGE DR, 1529, HIAWASSEE, GA 30546-3776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7320 ROYAL OAK DR, SPRING HILL, FL 34607-2339

Mortgage

Document Number	0003739855
Date	Aug 13, 2019
Instrument	3739/855

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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	$3,015.00 (+19.26%)	$218,396 (+5.99%)	$349,336 (+12.88%) Land $45,940 Building $303,396
2023		$206,059 (+3%) Land $206,059
2022	$2,528.00 Homeowner's exemption	$200,057	$309,486 Land $45,940 Building $263,546

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	52 (1983–2024)
Claims Outside the SFHA	7 of 52
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 9 claims Hurricane Idalia, Aug 2023 · 7 claims Hurricane Hermine, Sep 2016 · 5 claims

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	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 24 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	1,000 / 35