8541 Bay Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 8541 Bay Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,236 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Jul 2017)
Tax Bill	$1,854 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5260-1756-0090`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5260-1756-0090`
Alternative APNs	`00738438` `738438`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,236 sqft Living Area
1st Floor Area	2,236 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	395 sqft
Deck Area	96 sqft
Patio Area	44 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00738438
Street Address	8541 BAY DR
City	SPRING HILL
State	FL
Zip	34606-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 26 BLK 1756 LOT 9
Legal Range	17E
Legal Township	23S
Legal Section	11
Legal Subdivision	SPRING HILL UNIT 26
Legal Block	1756
Legal Lot Number	9
Legal Unit	26
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2045
Census Tract	41203

Owner

8541 Bay Dr is owned and occupied by an individual who bought it in July 2017.

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
Co-owner	Co-owner on File
Mailing Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 29, 2017	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 16, 2019	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING
Sep 1, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 28, 2017	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Prior Sale	Jun 7, 2004 · Amount on File
Deed Document Number	2017043309
Deed Book / Page	3492 / 1565
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8541 BAY DR, SPRING HILL, FL 34606-2115

Mortgage

Document Number	0042190262
Date	Sep 13, 2022
Book Page	4219/262
Instrument	2022068367

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035020554
Date	Aug 29, 2017
Book Page	3502/0554
Instrument	2017049703

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	INDIANAPOLIS, IN 46240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037630065
Date	Oct 16, 2019
Book Page	3763/0065
Instrument	2019065604

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8541 BAY DR, SPRING HILL, FL 34606-2115

Mortgage

Document Number	0038820629
Date	Sep 1, 2020
Book Page	3882/629
Instrument	2020053553

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 28, 2017
Property Address	8541 BAY DR, SPRING HILL, FL 34606-2115
Document Number	0034921565
Book / Page	3492 / 1565
Map Reference	MB10 PG77-85
Instrument Date	Jul 27, 2017
Instrument	2017043309
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	EXCEL TITLE I LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8541 BAY DR, 8541, SPRING HILL, FL 34606-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8541 BAY DR, SPRING HILL, FL 34606-2115

Mortgage

Document Number	34921567
Date	Jul 28, 2017
Instrument	3492/1567

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 8541 Bay Dr was $1,854 with an additional exemption.

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	$1,854.00 Additional exemption filed	$169,340	$329,575 Land $30,400 Building $299,175
2023		$159,775 (+3%) Land $159,775
2022	$1,825.00 Homeowner's exemption	$155,121	$313,734 Land $23,750 Building $289,984

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8541 Bay 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 8541 Bay Dr is low, with less than 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 99.1% of the US · lower than 98.7% 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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