Hernando County property record for 12186 Monarco Ln, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,755 sqft · built 1985 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $102,900 (Feb 2015) |
| Tax Bill | $1,246 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5100-0609-0200 |
| Primary APN | R32-323-17-5100-0609-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,755 sqft Living Area |
| 1st Floor Area | 1,755 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 141 ft deep x 95 ft wide |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,433 sqft |
| Patio Area | 30 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00287148 |
|---|---|
| Street Address | 12186 MONARCO LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-3950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 10 BLK 609 LOT 20 ORB 314 PG 06 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 20 |
| Legal Subdivision | SPRING HILL UNIT 10 |
| Legal Block | 609 |
| Legal Lot Number | 20 |
| Legal Unit | 10 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 40907 |
12186 Monarco Ln is owned and occupied by an individual who bought it in February 2015.
Source: Hernando County records, as of December 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12186 MONARCO LN, SPRING HILL, FL 34609-3950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2015 · Amount on File |
| Deed Sale | Feb 20, 2015 · Amount on File |
| Prior Sale | Jul 14, 2014 |
| Deed Document Number | 2015010317 |
| Deed Book / Page | 3176 / 1554 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 12186 Monarco Ln was $1,246 with an additional exemption.
Source: Hernando County assessment roll, as of October 31, 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 | $1,246.00 Additional exemption filed | $126,749 | $246,185 Land $40,225 Building $205,960 |
| 2023 | $119,589 (+3%) Land $119,589 | ||
| 2022 | $1,215.00 Homeowner's exemption | $116,106 | $247,759 Land $35,721 Building $212,038 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12186 Monarco Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2012.
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 |
| Nearby Flood Claims | 3 (2012–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · other causes |
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 12186 Monarco Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 132 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 |
May also be available: Verizon.
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