12198 Comstock St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12198 Comstock St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,288 sqft · built 1998
Lot Size	0.502 acres (21,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (May 2018)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0683-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0683-0030`
Alternative APNs	`00293541` `293541`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,288 sqft Living Area
Gross Area	3,028 sqft
1st Floor Area	2,288 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,875 sqft (0.502 acres)
Lot Dimensions	175 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	330 sqft
Porch	Open Porch
Porch Area	1,240 sqft
Deck Area	150 sqft
Patio Area	632 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00293541
Street Address	12198 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 3
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	683
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1020
Census Tract	40912

Owner

Source: Hernando County records, as of September 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORPORATION
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Apr 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage E LOANS MORTGAGE INC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANLEADERS/AMERICA
May 9, 2018	Warranty Deed, Transfer · Conventional Mortgage E LOANS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2018 · Amount on Record
Deed Sale	May 9, 2018 · Amount on Record
Prior Sale	May 9, 2002 · Amount on Record
Deed Document Number	201828355
Deed Book / Page	3581 / 1517
Last Transfer Date	Jan 29, 2025
Transfer Doc	0045190417
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Aug 18, 2026
Property Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Document Number	0000055410
Book / Page	4748 / 1391
Instrument Date	Aug 8, 2026
Instrument	202655410
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate, 156
Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812

Mortgage

Document Number	0000055410,
Date	Aug 18, 2026
Book Page	4748/1391
Instrument	202655410

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Transaction Type	Mortgage
Record Updated	May 6, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812

Mortgage

Document Number	0039791527
Date	Apr 12, 2021
Book Page	3979/1527
Instrument	2021025215

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036931925
Date	Apr 18, 2019
Book Page	3693/1925
Instrument	2019024095

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company
Address	SPRING HILL, FL 34609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jun 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Document Number	0037821945
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12198 COMSTOCK ST SPRING HILL FL 346094812, SPRING HILL, FL 34609-4812

Mortgage

Document Number	0037821945
Date	Dec 10, 2019
Book Page	003782/001945
Instrument	77508

Lender

Name	LOANLEADERS/AMERICA
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 9, 2018
Property Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812
Document Number	0035811517
Book / Page	3581 / 1517
Map Reference	MB8 PG54-66
Instrument Date	May 7, 2018
Instrument	2018028355
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CROWN TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 OCEAN TER, 215, ORMOND BEACH, FL 32176-4730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12198 COMSTOCK ST, SPRING HILL, FL 34609-4812

Mortgage

Document Number	2018028356
Date	May 9, 2018
Instrument	2018028356

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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	$2,891.00 (+33.1%)	$193,537 (+5.99%)	$370,041 (+1.32%) Land $49,219 Building $320,822
2023		$182,605 Land $182,605
2022	$2,172.00		$365,215 Land $43,750 Building $321,465

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

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 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

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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