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Single Family ResidenceResidential
$426,031$179 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $179,000 on Aug 25, 2015

3465 INDIAN RIVER ST

SPRING HILL, FL 34609
4
Beds
3
Baths
2,375 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.3 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$426K
$368K low$484K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$179,000 · Aug 25, 2015
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$238,031
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$190,425
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.44%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$188,000
SUNCOAST CU · recorded Oct 23, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,027 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$251,463 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$244,376
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$374,702

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHernando
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.30
ConstructionThe main material the home's frame and walls are built from.Concrete
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 140 ft²Porch · 1,603 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Powell Middle SchoolC+
Middle · Grades 6–8 · 0.8 mi
H
Central High SchoolD+
High · Grades 9–12 · 5.4 mi
E
Pine Grove Elementary SchoolB
Elementary · Grades PK–5 · 5.5 mi

District: Hernando County School District

Neighborhood · ZIP 34609These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.50,119
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,260 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,517
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$83,803
Average tempThe average temperature here across a full year.71°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3465 Indian River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in Spring Hill 34609
  • Bigger than 89% of homes in Hernando County
  • Has a bigger lot than 72% of homes in Spring Hill 34609
  • Newer than 71% of homes in Hernando County

What homes are worth in Spring Hill 34609

Each bar is how many homes fall in that price range. The marker is this home.

This home
$184K$570K

This home is worth more than 88% of homes in Spring Hill 34609.

How it measures up in Spring Hill 34609

The dot is this home. The mark in the middle is the typical home in Spring Hill 34609.

Estimated value$426,031
CheaperTypical $318,908Pricier

Pricier than 88% of homes nearby

Price per ft²$179
CheaperTypical $178Pricier

Pricier than 53% of homes nearby

Living area2,375 ft²
SmallerTypical 1,823 ft²Bigger

Bigger than 83% of homes nearby

Lot size0.3 ac
SmallerTypical 0.23 acBigger

Bigger than 72% of homes nearby

Year built2003
OlderTypical 2000Newer

Newer than 61% of homes nearby

How 3465 Indian River St ranks against every home in each area.
MeasureThis homeSpring Hill 34609Hernando County
Estimated valuepricier than$426,03188% of homes85% of homes
Price per ft²pricier than$17953% of homes47% of homes
Living areabigger than2,375 ft²83% of homes89% of homes
Lot sizebigger than0.3 ac72% of homes63% of homes
Year builtnewer than200361% of homes71% of homes

About 3465 Indian River St

How much is 3465 Indian River St, Spring Hill, FL worth?

The TopHap Estimate for 3465 Indian River St, Spring Hill, FL is $426,031 as of Jul 14, 2026. The likely range is $367,841 to $484,221. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3465 Indian River St, Spring Hill, FL last sell?

3465 Indian River St, Spring Hill, FL last sold on Aug 25, 2015 for $179,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3465 Indian River St, Spring Hill, FL?

3465 Indian River St, Spring Hill, FL has 4 bedrooms, 3 bathrooms, 2,375 square feet of living space and a 0.30-acre lot.

When was 3465 Indian River St, Spring Hill, FL built?

3465 Indian River St, Spring Hill, FL was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 3465 Indian River St, Spring Hill, FL?

3465 Indian River St, Spring Hill, FL is assigned to Powell Middle School (middle), rated C+; Central High School (high), rated D+; Pine Grove Elementary School (elementary), rated B. All sit in Hernando County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3465 Indian River St, Spring Hill, FL compare to other homes in Spring Hill 34609?

Among the 18,597 homes in Spring Hill 34609, it is worth more than 88% of them ($426,031 against a typical $318,908), its price per square foot is higher than 53% of them ($179 against a typical $178), it is bigger than 83% of them (2,375 ft² against a typical 1,823 ft²), its lot is bigger than 72% of them (0.3 ac against a typical 0.23 ac) and it is newer than 61% of them (2003 against a typical 2000). Measured against all of Hernando County, it is worth more than 85% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3465 Indian River St, Spring Hill, FL?

The 2025 property tax bill for 3465 Indian River St, Spring Hill, FL was $3,027. The county assessed it at $251,463.

Closest homes

More homes in Spring Hill 34609

Assigned schools

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