12186 Comstock St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12186 Comstock St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,029 sqft · built 1987
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Feb 2018)
Tax Bill	$680 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0683-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0683-0020`
Alternative APNs	`00293532` `293532`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,029 sqft Living Area
1st Floor Area	2,029 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	171 ft deep x 130 ft wide
Garage Type	Mixed
Garage Area	480 sqft
Carport	Carport
Carport Area	640 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	1,404 sqft
Deck Area	266 sqft
Patio Area	736 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00293532
Street Address	12186 COMSTOCK ST
City	SPRING HILL
State	FL
Zip	34609-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 683 LOT 2
Legal Range	18E
Legal Township	23S
Legal Section	29
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	683
Legal Lot Number	2
Legal Unit	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1020
Census Tract	40912

Owner

12186 Comstock St is owned and occupied by an individual who bought it in February 2018.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12186 COMSTOCK ST, SPRING HILL, FL 34609-4812
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 24, 2021	Deed of Trust, Mortgage · VA Mortgage METROPLEX MORTGAGE SERVICES INC
Feb 23, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2018 · Amount on File
Deed Sale	Feb 23, 2018 · Amount on File
Prior Sale	Apr 14, 2010 · Amount on File
Deed Document Number	2018011238
Deed Book / Page	3556 / 0430
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12186 COMSTOCK ST, SPRING HILL, FL 34609-4812
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12186 COMSTOCK ST, SPRING HILL, FL 34609-4812

Mortgage

Document Number	0040900885
Date	Nov 24, 2021
Book Page	4090/885
Instrument	2021089178

Lender

Name	METROPLEX MORTGAGE SERVICES INC
Type	Mortgage Company
Address	TAMPA, FL 33614

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 23, 2018
Property Address	12186 COMSTOCK ST, SPRING HILL, FL 34609-4812
Document Number	0035560430
Book / Page	3556 / 0430
Map Reference	MB8 PG54-66
Instrument Date	Feb 20, 2018
Instrument	2018011238
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9017 BEACH RD, 9017, SPRING HILL, FL 34606-2146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12186 COMSTOCK ST, SPRING HILL, FL 34609-4812

Mortgage

Document Number	2018011239
Date	Feb 23, 2018
Instrument	2018011239

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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		$157,541	$308,500 Land $47,810 Building $260,690
2024	$680.00
2023	Additional exemption filed	$148,642 Land $148,642
2022			$310,173 Land $42,497 Building $267,676

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12186 Comstock St 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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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 12186 Comstock St is low, with 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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 171 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	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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