8678 Bay Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 8678 Bay Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,443 sqft · built 2019
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$186,600 (Aug 2019)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5260-1726-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5260-1726-0080`
Alternative APNs	`00538877` `538877`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,443 sqft Living Area
1st Floor Area	1,443 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
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	116 ft deep x 100 ft wide
Garage Area	394 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	201 sqft
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00538877
Street Address	8678 BAY DR
City	SPRING HILL
State	FL
Zip	34606-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 26 BLK 1726 LOT 8
Legal Range	17E
Legal Township	23S
Legal Section	14
Legal Subdivision	SPRING HILL UNIT 26
Legal Block	1726
Legal Lot Number	8
Legal Unit	26
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1027
Census Tract	41203

Owner

8678 Bay Dr is owned and occupied by an individual who bought it in August 2019.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Mailing Address	8678 BAY DR, SPRING HILL, FL 34606-2120
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Aug 28, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Feb 27, 2018	Loan Modification, Mortgage STEEL CITY TITLE INC, STEEL CTY TITLE INC
Feb 14, 2018	Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on File
Deed Sale	Aug 28, 2019 · Amount on File
Prior Sale	Feb 14, 2018 · Amount on File
Deed Document Number	2019054105
Deed Book / Page	3744 / 1374
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	8678 BAY DR, SPRING HILL, FL 34606-2120
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8678 BAY DR, SPRING HILL, FL 34606-2120

Mortgage

Document Number	0041200561
Date	Jan 28, 2022
Book Page	4120/561
Instrument	2022007970

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

August 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 28, 2019
Property Address	8678 BAY DR, SPRING HILL, FL 34606-2120
Document Number	0037441374
Book / Page	3744 / 1374
Map Reference	MB 10 PG 77-85
Instrument Date	Aug 9, 2019
Instrument	2019054105
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	STEEL CITY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,306.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9416 CAMDEN FIELD PKWY, 9416, RIVERVIEW, FL 33578-0519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8678 BAY DR, SPRING HILL, FL 34606-2120

Mortgage

Document Number	0037441375
Date	Aug 28, 2019
Instrument	3744/1375

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	8678 BAY DR, SPRING HILL, FL 34606-2120
Document Number	0035591109
Instrument Date	Feb 27, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1383 ROUTE 30 CLINTON PA 150261743, CLINTON, PA 15026-1743

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 14, 2018
Property Address	8678 BAY DR, SPRING HILL, FL 34606-2120
Document Number	0035530430
Book / Page	003553 / 000430
Instrument Date	Jan 24, 2018
Instrument	9023
Transaction Type	Transfer
Record Updated	Mar 8, 2018
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9416 CAMDEN FIELD PKWY RIVERVIEW FL 335780519, RIVERVIEW, FL 33578-0519

Tax Assessment & Valuation

The 2025 property tax bill for 8678 Bay Dr was $1,819 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	$1,819.00 Additional exemption filed	$166,896	$267,473 Land $36,023 Building $231,450
2023		$157,468 (+3%) Land $157,468
2022	$1,790.00 Homeowner's exemption	$152,882	$252,014 Land $28,162 Building $223,852

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

Flood

FEMA maps place 8678 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 35 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2017 · 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 8678 Bay Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 216 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: AT&T, Verizon.

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