Steeve Cadeau
$409,990$419,9903 bd2 ba1,776 sqft$231 /sqft$3,191 /mo all-in ↓

3944 LEMA DRIVE, SPRING HILL, FL, 34609

Active28 days on marketListed Jun 25, 2026MLS #TB8522557

Reduced $10KPrivate poolSingle Family ResidenceSPRING HILL

About this home

3944 LEMA DRIVE

Perched high on an oversized Spring Hill homesite with an extended driveway, this beautifully maintained 3-bedroom, 2-bath, 3-car garage pool home offers custom features throughout. A stunning double leaded-glass door entry welcomes you into the spacious great room, featuring wood-look laminate flooring that extends through the living areas and all bedrooms. Soaring 10-12 foot ceilings create an open, airy feel throughout the home. The expansive living room showcases views of the sparkling screened pool and outdoor entertaining area through a triple-wide set of French doors. Enjoy Florida living at its finest with a 34-foot covered lanai, screened pool enclosure, and private vinyl-fenced backyard. Major updates completed in 2022 include a new roof, HVAC system, water heater, and pool pump for added peace of mind. The thoughtfully designed split-bedroom floor plan offers generous room sizes throughout. The formal dining room features elegant tray ceilings, while the gourmet kitchen boasts granite countertops, stainless steel appliances, and an oversized walk-in pantry. Bedroom 2 includes a large walk-in closet, and the guest bath provides convenient access to the pool area. Privately situated on the opposite side of the home, the spacious primary suite features French doors leading to the pool, dual walk-in closets, and a beautifully updated en-suite bath with a garden tub, separate shower, and ample space to relax and unwind. Additional highlights include an inside laundry room, oversized 3-car garage, and location in a desirable X flood zone—high and dry with no flood insurance required by most lenders. Conveniently located near shopping, dining, medical facilities, and everyday amenities, this home offers the perfect combination of comfort, style, and functionality. Schedule your showing today! Room measurements are approximate. All information is deemed accurate, but must be verified by the buyer and the buyer's agent

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,776

Sqft

0.23 ac

Lot size

3

Garage

2000

Year built

One

Levels

$231

Per sqft

Private poolPool viewPets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Brick · Stucco
FoundationSlab
ViewPool
FacesEast
ParkingGarage Door Opener · Oversized
ExteriorFrench Doors · Irrigation System · Lighting · Private Mailbox

Community & fees

Taxes (2025)$5,232/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Other
WaterPrivate · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,191 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,414
FHA mortgage insurance (est.)$181
Property tax — 2025 actual bill$436
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,350Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,350
Interest rate6.00%
Loan term

Estimated payment

$3,191/mo

Principal & interest$2,414
FHA mortgage insurance (est.)$181
Property taxes (actual bill)$436
Est. insurance$160

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.

List $410K
$349KedgeAI estimate $365,419 · range $364K$367K$426K

vs edgeAI estimate

+12.2%

$/sqft vs SPRING HILL

$231 vs $198

Days on market

28 vs 29 typical

Where $231/sqft sits among the 276 homes for sale in SPRING HILL

48
65
77
43 · this home
20
23
$153–173$173–193$193–212$212–232$232–252$252+

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

Map of 3944 LEMA DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)54 min
Downtown Tampa57 min

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

MiddlePowell Middle School★★★★★
HighCentral High School★★★★★
ElementaryPine Grove Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Spring Hill market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$320K$318K

Spring Hill median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

137 of 276

SPRING HILL have cut their price

Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 21% above the SPRING HILL 34609 median. See the full Spring Hill market guide →

Paper trail

This home's history

CurrentPrice reduced to $409,990 $10K
Jun 25, 2026Listed at $419,990 · 28 days on market since
2000Built · SPRING HILL

Reality check

What actually sold near 3944 LEMA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

364 WATERFALL DRIVESold · Dec ’25

$360,000

364 WATERFALL DRIVE · same community

3 bd · 3 ba · 1,792 sqft · $201/sqft · 91 DOM

4476 AZORA ROADSold · Dec ’25

$335,750

4476 AZORA ROAD · same community

4 bd · 2 ba · 1,755 sqft · $191/sqft · 205 DOM

1251 MCNEAL ROADSold · Nov ’25

$304,000

1251 MCNEAL ROAD · same community

4 bd · 2 ba · 1,840 sqft · $165/sqft · 43 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3944 LEMA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3944 LEMA DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

3944 LEMA DRIVE FAQs

What would the monthly payment be for 3944 LEMA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,191/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 3944 LEMA DRIVE?+

The most recent tax bill on record (2025) was $5,232. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3944 LEMA DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Spring Hill?+

At $409,990, this home is listed about 19% above the Spring Hill median of $345,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3944 LEMA DRIVE?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$409,990 runs 21% above the SPRING HILL 34609 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $419,990, now $409,990 — a $10K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 CIRCLE · Valentina Moreno. MLS #TB8522557.

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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