11196 Redgate St, Spring Hill, FL 34609 Property Records

Hernando County property record for 11196 Redgate St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,600 sqft · built 1979
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Apr 2026)
Tax Bill	$1,282 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0575-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0575-0040`
Alternative APNs	`00446486` `446486`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	1,966 sqft
1st Floor Area	1,600 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	886 sqft
Deck Area	90 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00446486
Street Address	11196 REDGATE ST
City	SPRING HILL
State	FL
Zip	34609-3350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 575 LOT 4 ORB 1340 PGS 218-19
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	575
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2031
Census Tract	41106

Owner

Source: Hernando County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Jan 6, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Deed Document Number	202625381
Deed Book / Page	4696 / 1275
Prior Transfer Date	Dec 30, 2025
Prior Transfer Doc	0046541523
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 17, 2026
Property Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350
Document Number	0046961275
Book / Page	4696 / 1275
Instrument Date	Apr 10, 2026
Instrument	202625381
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350

Mortgage

Document Number	0000025382,
Date	Apr 17, 2026
Instrument	202625382

Lender

Name	CHANGE LENDING LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 17, 2026
Property Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350
Document Number	0000025381
Book / Page	4696 / 1275
Instrument Date	Apr 10, 2026
Instrument	2026.25381
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350

Mortgage

Document Number	0000025382,
Date	Apr 17, 2026
Instrument	2026..25382

Lender

Name	CHANGE LENDING LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jan 6, 2026
Property Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350
Document Number	0046541523
Book / Page	4654 / 1523
Map Reference	MB 8 PG 38-53
Instrument Date	Dec 30, 2025
Instrument	2026000931
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11196 REDGATE ST, SPRING HILL, FL 34609-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5132 CHISOLM RD, JOHNS ISLAND, SC 29455-4715

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	$1,282.00 (+130.16%) Homeowner's exemption	$80,810 (+5.99%)	$226,427 (+5.96%) Land $42,000 Building $184,427
2023		$76,246 Land $76,246
2022	$557.00		$213,695 Land $29,000 Building $184,695

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022

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 350 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
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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