1190 Newcomb Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 1190 Newcomb Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,910 sqft · built 1986
Lot Size	0.23 acres (10,035 sqft)
Owner	2 Individual Names on File
Last Sale	$297,000 (Sep 2025)
Tax Bill	$4,444 (2025)
Deeds & Mortgages	Jan 2021 Reverse Mortgage Sep 2025 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5070-0386-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5070-0386-0060`
Alternative APNs	`00478325` `478325`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	2,836 sqft
1st Floor Area	1,910 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,035 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	384 sqft
Patio Area	152 sqft
Utility Building	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00478325
Street Address	1190 NEWCOMB AVE
City	SPRING HILL
State	FL
Zip	34608-6150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 7 BLK 386 LOT 6 ORB 295 PG 196
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 7
Legal Block	386
Legal Lot Number	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3041
Census Tract	41402

Owner

1190 Newcomb Ave is owned and occupied by two individuals who bought it in September 2025.

Source: Hernando County records, as of March 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Sep 4, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 4, 2025	Warranty Deed, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT
Sep 4, 2025	Warranty Deed, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT
Sep 4, 2025	Warranty Deed, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT
Sep 4, 2025	Intrafamily Transfer, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT
Sep 4, 2025	Deed of Distribution, Transfer SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TITLE
Jan 3, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 21, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2025 · Amount on File
Deed Sale	Sep 4, 2025 · Amount on File
Deed Document Number	202561991
Deed Book / Page	4606 / 374
Prior Transfer Date	Sep 9, 2003
Prior Transfer Doc	1726000359
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150

Mortgage

Document Number	0039351364
Date	Jan 6, 2021
Book Page	3935/1364
Instrument	2021000950

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	864 Months
Due	Jan 1, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.84%
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Index	1-Year LIBOR

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060374
Book / Page	4606 / 374
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 28, 2025
Instrument	2025061991
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16068 NAPLES ST, BROOKSVILLE, FL 34604-8067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150

Mortgage

Document Number	0004606376
Date	Sep 4, 2025
Instrument	4606/376

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060366
Book / Page	4606 / 366
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 25, 2025
Instrument	2025061987
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9240 ELDRIDGE RD, SPRING HILL, FL 34608-6301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16068 NAPLES ST, SPRING HILL, FL 34604-8067

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060372
Book / Page	4606 / 372
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 21, 2025
Instrument	2025061990
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1388 TROPICANA RD NE, PALM BAY, FL 32905-3920

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16068 NAPLES ST, BROOKSVILLE, FL 34604-8067

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060368
Book / Page	4606 / 368
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 19, 2025
Instrument	2025061988
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4525 NUNNSWOOD LN, LAKELAND, FL 33813-1781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16068 NAPLES ST, BROOKSVILLE, FL 34604-8067

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060370
Book / Page	4606 / 370
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 6, 2025
Instrument	2025061989
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16128 NAPLES ST, BROOKSVILLE, FL 34604-8099

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16068 NAPLES ST, BROOKSVILLE, FL 34604-8067

September 2025: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2025
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0046060364
Book / Page	4606 / 364
Map Reference	MB 8 PG 11-24
Instrument Date	Aug 5, 2025
Instrument	2025061986
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1039 CAMBAY LN, SPRING HILL, FL 34608-6716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9240 ELDRIDGE RD, SPRING HILL, FL 34608-6301

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035391673
Date	Jan 3, 2018
Book Page	3539/1673
Instrument	2018000316

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	900 Months
Due	Jan 1, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.79%
Type Change Date	Jan 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1190 NEWCOMB AVE, SPRING HILL, FL 34608-6150
Document Number	0035391687
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1190 NEWCOMB AVE SPRING HILL FL 346086150, SPRING HILL, FL 34608-6150

Mortgage

Document Number	0035391687
Date	Jan 3, 2018
Book Page	003539/001687
Instrument	317

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Jan 2, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.79%

Tax Assessment & Valuation

The 2025 property tax bill for 1190 Newcomb Ave was $4,444, up 209.9% from the year before.

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	$4,444.00 (+209.9%)	$262,890 (+191.48%) Land $38,133 Building $224,757	$262,890 (+1.78%) Land $38,133 Building $224,757
2024	$1,434.00 Additional exemption filed	$90,191 (+3%)	$258,282 Land $34,119 Building $224,163
2023		$87,564 (+3%) Land $87,564
2022	$728.00 Homeowner's exemption	$85,014	$243,636 Land $30,105 Building $213,531

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

FEMA maps place 1190 Newcomb Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

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

Wildfire risk around 1190 Newcomb Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 340 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 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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