12342 Elgin Blvd, Spring Hill, FL 34609 Property Records

Hernando County property record for 12342 Elgin Blvd, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 920 sqft · built 1980
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jun 2022)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5182-1843-0180`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5182-1843-0180`
Alternative APNs	`00843760` `843760`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
Gross Area	1,432 sqft
1st Floor Area	920 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1987
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	512 sqft
Utility Building	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00843760
Street Address	12342 ELGIN BLVD
City	SPRING HILL
State	FL
Zip	34609-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL-2ND REPLAT OF PORTIONS OF UNITS 18,19,20 BLK 1843 LOT 18
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 18 REPL 2
Legal Block	1843
Legal Lot Number	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3002
Census Tract	41006

Owner

12342 Elgin Blvd is owned and occupied by an individual who bought it in June 2022.

Source: Hernando County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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
Aug 7, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 19, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Jun 20, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage PATRIOT LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2022 · Amount on File
Deed Sale	Jun 20, 2022 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Document Number	202247391
Deed Book / Page	4186 / 102
Prior Transfer Date	Jan 10, 2003
Prior Transfer Doc	1617000060
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Aug 7, 2026
Property Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505
Document Number	0000053543
Book / Page	4745 / 858
Instrument Date	Jun 9, 2026
Instrument	202653543
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505

Mortgage

Document Number	0000053543,
Date	Aug 7, 2026
Book Page	4745/858
Instrument	202653543

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jun 1, 2052

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505
Transaction Type	Mortgage
Record Updated	Oct 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505

Mortgage

Document Number	0043441353
Date	Sep 19, 2023
Book Page	4344/1353
Instrument	2023059594

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Jun 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 20, 2022
Property Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505
Document Number	0041860102
Book / Page	4186 / 102
Map Reference	MB 17 PG 29-34
Instrument Date	May 20, 2022
Instrument	2022047391
Transaction Type	Transfer
Record Updated	Sep 30, 2022
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4240 HABITAT DR, 4240, BROOKSVILLE, FL 34604-0505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505

Mortgage

Document Number	0004186104
Date	Jun 20, 2022
Instrument	4186/104

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Mortgage

Document Number	0041860119
Date	Jun 20, 2022
Book Page	4186/119
Instrument	2022047393

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	SPRING HILL, FL 34609

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 19, 2042

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 24, 2018
Property Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505
Document Number	0035870069
Book / Page	3587 / 0069
Map Reference	MB17 PG29-34
Instrument Date	May 18, 2018
Instrument	2018032130
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14232 CINNAMAN LN, 14232, WEEKI WACHEE, FL 34614-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12342 ELGIN BLVD, SPRING HILL, FL 34609-1505

Mortgage

Document Number	2018032131
Date	May 24, 2018
Instrument	2018032131

Lender

Name	PATRIOT LENDING SERVICES INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 12342 Elgin Blvd was $2,190 with a homeowner's exemption.

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	$2,190.00 Homeowner's exemption	$144,424	$144,472 Land $33,750 Building $110,722
2023		$137,187 (+14.27%) Land $27,590 Building $109,597
2022	$1,482.00	$120,052 Land $23,775 Building $96,277	$137,187 Land $26,100 Building $111,087

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

Flood

FEMA maps place 12342 Elgin Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2004–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · 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

The area around 12342 Elgin Blvd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 421 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Tillman Fiber.

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