Hernando County property record for 7360 Royal Oak Dr, Spring Hill, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,849 sqft · built 1991 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Aug 2019) |
| Tax Bill | $5,746 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2023 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R09-223-17-2645-0007-0200 |
| Primary APN | R09-223-17-2645-0007-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,849 sqft Living Area |
| 1st Floor Area | 1,965 sqft |
| Upper Floors Area | 884 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Area | 532 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 390 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,679 sqft |
| Deck Area | 234 sqft |
| Patio Area | 468 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01060229 |
|---|---|
| Street Address | 7360 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 20 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | LAKE IN THE WOODS PH V |
| Legal Phase | 5 |
| Legal Block | 7 |
| Legal Lot Number | 20 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 41502 |
Source: Hernando County records · APN R09-223-17-2645-0007-0200
Assessment roll updated October 31, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2025 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jul 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Nov 04, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG |
| Aug 16, 2019 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on Record |
| Deed Sale | Aug 16, 2019 · Amount on Record |
| Prior Sale | Mar 16, 2015 · Amount on Record |
| Deed Document Number | 2019051592 |
| Deed Book / Page | 3740 / 1765 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2025 |
| Name | Verified Name |
|---|---|
| Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0046071007 |
|---|---|
| Date | Sep 09, 2025 |
| Book Page | 4607/1007 |
| Instrument | 2025062819 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 314 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0042760995 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 4276/995 |
| Instrument | 2023015035 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | WAYNE, PA 19087 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | HOMES & LAND TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0034930566 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 3493/0566 |
| Instrument | 2017043704 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0040801451 |
|---|---|
| Date | Nov 04, 2021 |
| Book Page | 4080/1451 |
| Instrument | 2021083333 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0039001345 |
| Instrument Date | Aug 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7360 ROYAL OAK DR SPRING HILL FL 346072339, SPRING HILL, FL 34607-2339 |
| Document Number | 0039001345 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 003900/001345 |
| Instrument | 64499 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 16, 2019 |
| Property Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0037401765 |
| Book / Page | 3740 / 1765 |
| Map Reference | MB 19 PG 52 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 2019051592 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ARROW TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 407, CRYSTAL BEACH, FL 34681-0407 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7360 ROYAL OAK DR, SPRING HILL, FL 34607-2339 |
| Document Number | 0037401768 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 3740/1768 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,746.00 (+7.85%) | $382,861 (+21%) | $427,707 (+7.22%) Land $57,925 Building $369,782 |
| 2023 | $316,414 (-25.01%) Land $6,613 Building $309,801 | ||
| 2022 | $5,328.00 | $421,960 Land $46,520 Building $375,440 | $398,915 Land $57,925 Building $340,990 |
Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530415021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 268 locations within half a mile · Last verified October 2026
| 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 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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