12340 Deck St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12340 Deck St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 1985
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$122,000 (Jan 2014)
Tax Bill	$923 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5100-0620-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5100-0620-0040`
Alternative APNs	`00288557` `288557`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,756 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	900 sqft
Deck Area	120 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00288557
Street Address	12340 DECK ST
City	SPRING HILL
State	FL
Zip	34609-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 10 BLK 620 LOT 4
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 10
Legal Block	620
Legal Lot Number	4
Legal Unit	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1018
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
Co-owner	Co-owner on Record
Mailing Address	12340 DECK ST, SPRING HILL, FL 34609-4030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2014 · Amount on Record
Deed Sale	Jan 15, 2014 · Amount on Record
Prior Sale	Jan 15, 2014 · Amount on Record
Deed Document Number	0030661643
Deed Book / Page	3066 / 1643
Last Transfer Date	Jan 18, 2024
Transfer Doc	0043831427
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jan 18, 2024
Property Address	12340 DECK ST, SPRING HILL, FL 34609-4030
Document Number	0043831427
Book / Page	4383 / 1427
Map Reference	MB 8 PG 54
Instrument Date	Jan 17, 2024
Instrument	2024003471
Transaction Type	Transfer
Record Updated	Feb 5, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12340 DECK ST, SPRING HILL, FL 34609-4030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12340 DECK ST, SPRING HILL, FL 34609-4030

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12340 DECK ST, SPRING HILL, FL 34609-4030
Transaction Type	Mortgage
Record Updated	Jul 18, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043110300
Date	Jun 21, 2023
Book Page	4311/300
Instrument	2023038203

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12340 DECK ST, SPRING HILL, FL 34609-4030
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	AMERICAN HOME TITLE OF LAND

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036160473
Date	Aug 23, 2018
Book Page	3616/0473
Instrument	2018051260

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12340 DECK ST, SPRING HILL, FL 34609-4030
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038741977
Date	Aug 12, 2020
Book Page	3874/1977
Instrument	2020049202

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

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	$923.00 (+3.59%) Additional exemption filed	$104,126 (+5.99%)	$226,705 (-0.82%) Land $33,859 Building $192,846
2023		$98,244 Land $98,244
2022	$891.00		$228,568 Land $30,068 Building $198,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 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 246 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 · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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