8406 Bay Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 8406 Bay Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,814 sqft · built 2005
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$161,000 (Feb 2018)
Tax Bill	$3,736 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5260-1761-0150`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5260-1761-0150`
Alternative APNs	`00735832` `735832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,814 sqft Living Area
1st Floor Area	1,814 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 76 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	358 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00735832
Street Address	8406 BAY DR
City	SPRING HILL
State	FL
Zip	34606-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 26 BLK 1761 LOT 15
Legal Range	17E
Legal Township	23S
Legal Section	11
Legal Subdivision	SPRING HILL UNIT 26
Legal Block	1761
Legal Lot Number	15
Legal Unit	26
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2050
Census Tract	41203

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
Mailing Address	8406 BAY DR, SPRING HILL, FL 34606-2108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 28, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2018 · Amount on Record
Deed Sale	Feb 28, 2018 · Amount on Record
Prior Sale	Oct 6, 2011
Deed Document Number	2018012081
Deed Book / Page	3557 / 0836
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8406 BAY DR, SPRING HILL, FL 34606-2108
Transaction Type	Mortgage
Record Updated	Jan 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13167 SADDLE WAY, BROOKSVILLE, FL 34614-2961

Mortgage

Document Number	0040950069
Date	Dec 6, 2021
Book Page	4095/69
Instrument	2021091597

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 28, 2018
Property Address	8406 BAY DR, SPRING HILL, FL 34606-2108
Document Number	0035570836
Book / Page	003557 / 000836
Instrument Date	Feb 23, 2018
Instrument	12081
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8406 BAY DR SPRING HILL FL 346062108, SPRING HILL, FL 34606-2108

Mortgage

Document Number	35570838
Date	Feb 28, 2018
Book Page	003557/000838
Instrument	12082

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

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	$3,736.00 (+7.11%)	$243,612 (+21%)	$284,973 (+5.83%) Land $38,605 Building $246,368
2023		$201,332 (-21.29%) Land $201,332
2022	$3,488.00	$255,798 Land $22,801 Building $232,997	$269,263 Land $30,160 Building $239,103

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1993–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2011 · rainfall accumulation

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 95% 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 426 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
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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