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12197 Ronald St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12197 Ronald St, Spring Hill, FL 34609 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,222 sqft · built 2005
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$207,000 (Oct 2019)
Tax Bill$4,012 (2025)
Deeds & MortgagesNov 2023 Line of Credit
Oct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR32-323-17-5160-1062-0280

Property Details

APN / Parcel Number

Primary APNR32-323-17-5160-1062-0280
Alternative APNs
  • 00583693
  • 583693

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area2,222 sqft Living Area
1st Floor Area1,120 sqft
Upper Floors Area1,102 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area21 sqft
Patio Area78 sqft
Utility Building120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00583693
Street Address12197 RONALD ST
CitySPRING HILL
StateFL
Zip34609-2010
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 16 BLK 1062 LOT 28
Legal Range18E
Legal Township23S
Legal Section08
Legal SubdivisionSPRING HILL UNIT 16
Legal Block1062
Legal Lot Number28
Legal Unit16
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group3
Census Block3040
Census Tract41006

Owner

Source: Hernando County records · APN R32-323-17-5160-1062-0280

Assessment roll updated October 31, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address12197 RONALD ST, SPRING HILL, FL 34609-2010
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 08, 2023Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BANK NA
Oct 01, 2019Warranty Deed, Transfer · Conventional Mortgage
GROW FINANCIAL FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 01, 2019 · Amount on Record
Deed SaleOct 01, 2019 · Amount on Record
Prior SaleMar 08, 2006 · Amount on Record
Deed Document Number2019061349
Deed Book / Page3756 / 0909
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address12197 RONALD ST, SPRING HILL, FL 34609-2010
Transaction TypeMortgage
Record UpdatedNov 23, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address12197 RONALD ST, SPRING HILL, FL 34609-2010

Mortgage

Document Number0043621919
DateNov 08, 2023
Book Page4362/1919
Instrument2023071609
Lender
NameFIFTH THIRD BANK NA
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueOct 25, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateOct 01, 2019
Property Address12197 RONALD ST, SPRING HILL, FL 34609-2010
Document Number0037560909
Book / Page3756 / 0909
Map ReferenceMB 9 PG 18-30
Instrument DateSep 24, 2019
Instrument2019061349
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyMAJESTY TITLE SERVICES

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,449.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7030 WHITE OAK DR, 7030, HUBBARD, OH 44425-3056

Transferred To (Grantee/Buyer)

NameVerified Name
Address12197 RONALD ST, SPRING HILL, FL 34609-2010

Mortgage

Document Number0003756911
DateOct 01, 2019
Instrument3756/911
Lender
NameGROW FINANCIAL FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2049

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,012.00 (+5.52%)$267,847 (+21%)$297,967 (+2.43%) Land $36,575 Building $261,392
2023$221,361 (-19.04%) Land $221,361
2022$3,802.00$273,412 Land $21,945 Building $251,467$290,911 Land $30,400 Building $260,511

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530410063, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims2 (2004–2014)
Claims Outside the SFHA2 of 2
Most Recent ClaimMay 2014, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 358 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Open InfraFiber8,000 / 8,000
WOW Internet, Cable & PhoneFiber5,000 / 5,000
Tillman Global HoldingsFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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