3490 DOW LANE, SPRING HILL, FL, 34609
Active83 days on marketListed May 14, 2026MLS #TB8508852
About this home
3490 DOW LANE
Welcome to this stunning 2014 Hartland, Joanne model, home that offers a beautiful space designed to cater to your heart's desires! The large kitchen features a prepping island, 2 closet pantries, and an eat-in space where you can create cherished memories while enjoying your favorite meals. The formal living room and family room are elegantly connected with enchanting cutouts, providing an open floor plan that also maintains a sense of separation. The primary suite is located in a secluded area with an oversized bedroom, two walk-in closets, and a spacious ensuite bathroom with dual sinks and a vanity area for your comfort and convenience. On the other side of the home, you will discover the 2nd and 3rd bedrooms along with the guest bathroom, offering a well-planned layout for privacy and functionality. Additionally, a detached shed in the backyard provides extra storage space or can be utilized as a workshop to suit your needs. Conveniently situated near 589 and Spring Hill Dr, this home is close to all amenities and essentials, making it a perfect place to call home. Don't miss the opportunity to make this your own and enjoy the lifestyle provides!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,955
Sqft
0.23 ac
Lot size
2
Garage
2014
Year built
One
Levels
$173
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,475 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,475/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.9%
$/sqft vs SPRING HILL
$173 vs $200
Days on market
83 vs 41 typical
Where $173/sqft sits among the 282 homes for sale in SPRING HILL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
141 of 282
SPRING HILL have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3490 DOW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$365,000
10462 BAYLOR DRIVE · same community
3 bd · 2 ba · 1,883 sqft · $194/sqft · 3 DOM
Sold · Nov ’25$304,000
1251 MCNEAL ROAD · same community
4 bd · 2 ba · 1,840 sqft · $165/sqft · 43 DOM
Sold · Mar ’26$377,500
7337 PRICE STREET · same community
4 bd · 2 ba · 2,102 sqft · $180/sqft · 18 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3490 DOW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3490 DOW LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3490 DOW LANE FAQs
What would the monthly payment be for 3490 DOW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,475/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3490 DOW LANE?+
The most recent tax bill on record (2025) was $2,036. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Spring Hill?+
At $339,000, this home is listed about 1% below the Spring Hill median of $342,975. The market section on this page shows how the area is trending.
Which schools are assigned to 3490 DOW LANE?+
Powell Middle School (middle), Central High School (high), Pine Grove Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michelle Humbles. MLS #TB8508852.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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