Hernando County property record for 12093 Cradock St, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,390 sqft · built 1997 |
| Lot Size | 0.322 acres (14,008 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,200 (Oct 1996) |
| Tax Bill | $1,522 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5180-1229-0090 |
| Primary APN | R32-323-17-5180-1229-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,390 sqft Living Area |
| Gross Area | 2,006 sqft |
| 1st Floor Area | 1,390 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,008 sqft (0.322 acres) |
| Lot Dimensions | 125 ft deep x 113 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 776 sqft |
| Deck Area | 72 sqft |
| Patio Area | 312 sqft |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00667157 |
|---|---|
| Street Address | 12093 CRADOCK ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 18 BLK 1229 LOT 9 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 18 |
| Legal Block | 1229 |
| Legal Lot Number | 9 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 41004 |
12093 Cradock St is owned and occupied by two individuals who acquired it in August 2024.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12093 CRADOCK ST, SPRING HILL, FL 34608-2331 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 1, 2018 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Jul 7, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 1996 · Amount on File |
| Deed Sale | Oct 21, 1996 · Amount on File |
| Deed Book / Page | 1091 / 1879 |
| Last Transfer Date | Aug 5, 2024 |
| Transfer Doc | 0044561691 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 12093 CRADOCK ST, SPRING HILL, FL 34608-2331 |
| Document Number | 0035510942 |
| Instrument Date | Feb 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12093 CRADOCK ST SPRING HILL FL 346082331, SPRING HILL, FL 34608-2331 |
| Document Number | 0035510942 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 003551/000942 |
| Instrument | 7802 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 12093 CRADOCK ST, SPRING HILL, FL 34608-2331 |
| Document Number | 0034881237 |
| Book / Page | 003488 / 001237 |
| Instrument Date | Jul 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12093 CRADOCK ST SPRING HILL FL 346082331, SPRING HILL, FL 34608-2331 |
| Document Number | 0034881237 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 003488/001237 |
| Instrument | 40302 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2047 |
The 2025 property tax bill for 12093 Cradock St was $1,522.
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,522.00 | $97,656 | $248,130 Land $47,347 Building $200,783 |
| 2023 | $92,140 (+3%) Land $92,140 | ||
| 2022 | $798.00 Homeowner's exemption | $89,456 | $237,084 Land $36,561 Building $200,523 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12093 Cradock St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
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 risk around 12093 Cradock St 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 99.1% of the US · lower than 98.7% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 357 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 |
| Verizon Fixed Wireless | 300 / 20 |
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