12191 Monarco Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 12191 Monarco Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 1983
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2025)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0608-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0608-0060`
Alternative APNs	`00286871` `286871`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,798 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1988
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	173 ft deep x 118 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	1,410 sqft
Deck Area	192 sqft
Patio Area	632 sqft
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00286871
Street Address	12191 MONARCO LN
City	SPRING HILL
State	FL
Zip	34609-3951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 608 LOT 6 ORB 308 PG 188
Legal Range	18E
Legal Township	23S
Legal Section	20
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	608
Legal Lot Number	6
Legal Unit	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1011
Census Tract	40907

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Warranty Deed, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 11, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 16, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2025 · Amount on Record
Deed Sale	Sep 10, 2025 · Amount on Record
Prior Sale	Jul 16, 2018 · Amount on Record
Deed Document Number	2025062931
Deed Book / Page	4607 / 1531
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 10, 2025
Property Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951
Document Number	0046071531
Book / Page	4607 / 1531
Map Reference	MB 8 PG 54-66
Instrument Date	Aug 28, 2025
Instrument	2025062931
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	LANDCASTLE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 STIRRUP LN, ROYAL PALM BEACH, FL 33411-8289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951

Mortgage

Document Number	0046071533
Date	Sep 10, 2025
Instrument	4607/1533

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038051425
Date	Feb 11, 2020
Book Page	3805/1425
Instrument	2020009074

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 16, 2018
Property Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951
Document Number	0036040491
Book / Page	3604 / 0491
Map Reference	MB8 PG54-66
Instrument Date	Jul 9, 2018
Instrument	2018043033
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	SOUTHEAST TITLE OF THE SUNCA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,309.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12191 MONARCO LN, SPRING HILL, FL 34609-3951

Mortgage

Document Number	2018043034
Date	Jul 16, 2018
Instrument	2018043034

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$1,456.00 (-31.77%) Additional exemption filed	$146,473 (+2.9%)	$218,784 (-0.55%) Land $40,833 Building $177,951
2024	$2,134.00 (+50.07%) Additional exemption filed	$142,345 (+3%)	$219,988 (+6.23%) Land $32,666 Building $187,322
2023		$138,199 Land $138,199
2022	$1,422.00		$207,092 Land $36,296 Building $170,796

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

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 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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