
3581 LEMA DRIVE, SPRING HILL, FL, 34609
Active10 days on marketListed Jul 13, 2026MLS #TB8528487
About this home
3581 LEMA DRIVE
This .23-acre Spring Hill lot offers a practical place to begin: a neighborhood setting, no HOA or CDD restrictions, and the freedom to plan a home around how you actually want to live. Create the porch you’ll use every morning, the backyard where friends gather after work, and a home that does not come with someone else’s style choices or project list. The lot is tucked into an established residential area where new construction blends naturally with the everyday rhythm of Spring Hill. It offers the convenience of being close to the things that make daily life easier, while still giving you a place that feels separate from the noise and pace of busier roads. Another major advantage that deserves attention: a gopher tortoise survey has already been completed, with no active burrows found on the property. In Spring Hill, that is meaningful due diligence. Gopher tortoises are protected, and an active burrow can introduce added time, permitting considerations, and potentially significant relocation costs before a build can move ahead. This lot gives a future owner one less unknown to solve. Whether you are planning a personal residence, a spec build, or simply securing land in a growing area, this is the kind of lot that is easy to overlook—until it is no longer available. No HOA. No CDD. Gopher tortoise survey completed. Bring your plans and start with a clearer path forward. Buyer to verify zoning, dimensions, building requirements, utilities, and all information material to Buyer’s intended use.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$582 /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
$582/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.
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 → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% below the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3581 LEMA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3581 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.
Straight answers
3581 LEMA DRIVE FAQs
What would the monthly payment be for 3581 LEMA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $582/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 3581 LEMA DRIVE?+
The most recent tax bill on record (2025) was $504. 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 3581 LEMA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $60,000, this home is listed about 83% below the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3581 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.
Listing courtesy of DALTON WADE INC · Angela Lopez. MLS #TB8528487.
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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