9281 Bay Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 9281 Bay Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,170 sqft · built 1978
Lot Size	0.221 acres (9,615 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Sep 2026)
Tax Bill	$2,498 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5252-1797-0280`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5252-1797-0280`
Alternative APNs	`00652396` `652396`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	1,755 sqft
1st Floor Area	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,615 sqft (0.221 acres)
Lot Dimensions	140 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	235 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00652396
Street Address	9281 BAY DR
City	SPRING HILL
State	FL
Zip	34608-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 25 REPLAT 2 BLOCK 1797 LOT 28
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 25 REPL 2
Legal Block	1797
Legal Lot Number	28
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2029
Census Tract	41103

Owner

Source: Hernando County records, as of October 14, 2026

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	9281 BAY DR, SPRING HILL, FL 34608-3813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Jun 19, 2026	Warranty Deed, Transfer HILLSBOROUGH TITLE INC, HILLSBOROUGH TITLE
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Feb 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Jun 19, 2026 · Amount on Record
Deed Document Number	202664638
Deed Book / Page	4764 / 799
Prior Transfer Date	Jan 22, 2020
Prior Transfer Doc	0038041739
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 24, 2026
Property Address	9281 BAY DR, SPRING HILL, FL 34608-3813
Document Number	0000064638
Book / Page	4764 / 799
Instrument Date	Sep 18, 2026
Instrument	202664638
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NATIONS TITLE, OS NATIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152,005.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9281 BAY DR, SPRING HILL, FL 34608-3813

Mortgage

Document Number	0000064639,
Date	Sep 24, 2026
Instrument	202664639

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 19, 2026
Property Address	9281 BAY DR, SPRING HILL, FL 34608-3813
Document Number	0000041965
Book / Page	4725 / 685
Instrument Date	Jun 12, 2026
Instrument	202641965
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	HILLSBOROUGH TITLE INC, HILLSBOROUGH TITLE

Transaction

Amount	Amount Recorded
Tax	$156,034.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Investor	Possibly a Property Investor

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	9281 BAY DR, SPRING HILL, FL 34608-3813
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3144 N JUNIPERUS WAY, BEVERLY HILLS, FL 34465-4224

Mortgage

Document Number	0040401172
Date	Aug 12, 2021
Book Page	4040/1172
Instrument	2021060674

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 10, 2020
Property Address	9281 BAY DR, SPRING HILL, FL 34608-3813
Document Number	0038041739
Book / Page	003804 / 001739
Instrument Date	Jan 22, 2020
Instrument	8535
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3144 N JUNIPERUS WAY BEVERLY HILLS FL 344654224, BEVERLY HILLS, FL 34465-4224

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	$2,498.00 (+48.07%)	$116,284 (+21%)	$139,621 (+5.72%) Land $29,326 Building $110,295
2023		$96,103 (-22.39%) Land $96,103
2022	$1,687.00	$123,821 Land $18,076 Building $105,745	$132,066 Land $24,038 Building $108,028

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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	Not rated no burnable land within 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 335 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Hotwire Communications.

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