12322 Curry Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 12322 Curry Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 2020
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$11,000 (Sep 2018)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1303-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1303-0110`
Alternative APNs	`00694573` `694573`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	130 ft deep x 67 ft wide
Parking Spaces	2 Parking Spaces
Deck Area	110 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00694573
Street Address	12322 CURRY DR
City	SPRING HILL
State	FL
Zip	34608-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1303 LOT 11
Legal Range	18E
Legal Township	23S
Legal Section	05
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1303
Legal Lot Number	11
Legal Unit	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1004
Census Tract	41003

Owner

12322 Curry Dr is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Mar 19, 2019	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CITY BANK
Jan 23, 2020	Loan Modification, Mortgage · Conventional with PMI CAPITAL CTY BK
Sep 14, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on File
Deed Sale	Sep 14, 2018 · Amount on File
Deed Document Number	2018056037
Deed Book / Page	3623 / 0517
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12322 CURRY DR, SPRING HILL, FL 34608-1412

Mortgage

Document Number	0042441657
Date	Dec 1, 2022
Book Page	4244/1657
Instrument	2022084888

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	216 Months
Due	Nov 30, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	ALL PERFORMANCE TITLE LLC, ALL PERFORMANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12322 CURRY DR, SPRING HILL, FL 34608-1412

Mortgage

Document Number	0041490556
Date	Mar 31, 2022
Book Page	4149/556
Instrument	2022024767

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TTL OF SUNCOAST IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036810821
Date	Mar 19, 2019
Book Page	3681/0821
Instrument	2019016469

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	5.5%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Margin	3
Max Rate	11.5%

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Document Number	0038001659
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	SOUTHEAST TITLE/THE SUNCOAST

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12322 CURRY DR SPRING HILL FL 346081412, SPRING HILL, FL 34608-1412

Mortgage

Document Number	0038001659
Date	Jan 29, 2020
Book Page	003800/001659
Instrument	6095

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Fixed Rate
Rate	5%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 14, 2018
Property Address	12322 CURRY DR, SPRING HILL, FL 34608-1412
Document Number	0036230517
Book / Page	003623 / 000517
Instrument Date	Sep 5, 2018
Instrument	56037
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$77.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4423 TIFFIN AVE SPRING HILL FL 346091956, SPRING HILL, FL 34609-1956

Tax Assessment & Valuation

The 2025 property tax bill for 12322 Curry Dr was $1,541 with an additional exemption.

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	$1,541.00 Additional exemption filed	$147,387	$269,324 Land $48,817 Building $220,507
2023		$139,061 (+3%) Land $139,061
2022	$1,511.00 Homeowner's exemption	$135,011	$257,689 Land $38,680 Building $219,009

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

Flood

FEMA maps place 12322 Curry Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2011 · rainfall accumulation

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

Wildfire risk around 12322 Curry Dr 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 96% of the US · lower than 96% 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 325 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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