Hernando County property record for 12295 Comstock St, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,119 sqft · built 1996 |
| Lot Size | 0.502 acres (21,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (May 2026) |
| Tax Bill | $5,920 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Sep 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5100-0684-0040 |
| Primary APN | R32-323-17-5100-0684-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,119 sqft Living Area |
| Gross Area | 3,337 sqft |
| 1st Floor Area | 2,119 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| 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 | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,282 sqft |
| Deck Area | 126 sqft |
| Patio Area | 422 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00293738 |
|---|---|
| Street Address | 12295 COMSTOCK ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 10 BLK 684 LOT 4 ORB 334 PG 87 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 10 |
| Legal Block | 684 |
| Legal Lot Number | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 40912 |
Source: Hernando County records · APN R32-323-17-5100-0684-0040
Assessment roll updated December 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 08, 2026 | Warranty Deed, Transfer · FHA Mortgage RED HOUSE TITLE LLC |
| Sep 21, 2022 | Intrafamily Transfer, Transfer ACCOMMODATION |
| May 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 08, 2026 · Amount on Record |
| Deed Sale | May 08, 2026 · Amount on Record |
| Prior Sale | May 31, 2022 · Amount on Record |
| Deed Document Number | 202631105 |
| Deed Book / Page | 4706 / 516 |
| Prior Transfer Date | Sep 19, 2022 |
| Prior Transfer Doc | 0042220590 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 08, 2026 |
| Property Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Number | 0000031105 |
| Book / Page | 4706 / 516 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202631105 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | RED HOUSE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $311,080.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Number | 0000031106, |
|---|---|
| Date | May 08, 2026 |
| Instrument | 202631106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000031107, |
|---|---|
| Date | May 08, 2026 |
| Book Page | 4706/534 |
| Instrument | 202631107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | May 01, 2036 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 21, 2022 |
| Property Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Number | 0042220590 |
| Book / Page | 4222 / 590 |
| Map Reference | MB 8 PG 54-66 |
| Instrument Date | Sep 19, 2022 |
| Instrument | 2022070371 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12295 COMSTOCK ST, 12295, SPRING HILL, FL 34609-4816 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 31, 2022 |
| Property Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Number | 0041771249 |
| Book / Page | 4177 / 1249 |
| Map Reference | MB 8 PG 54-66 |
| Instrument Date | May 26, 2022 |
| Instrument | 2022042247 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,044.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 729 S HUTH RD, 729, CHEEKTOWAGA, NY 14225-1720 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 12295 COMSTOCK ST, SPRING HILL, FL 34609-4816 |
| Document Number | 0041771251 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 4177/1251 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,920.00 (+5.49%) Homeowner's exemption | $405,686 (-0.83%) Land $49,219 Building $356,467 | $405,686 (-0.83%) Land $49,219 Building $356,467 |
| 2023 | $409,085 (+48.03%) Land $66,589 Building $342,496 | ||
| 2022 | $5,612.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $276,357 | $409,085 Land $43,750 Building $365,335 |
Source: FEMA National Flood Hazard Layer, Hernando County (12053C), as of April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530409121, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Global Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 171 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6277059, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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