Hernando County property record for 12347 Barrow St, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,262 sqft · built 1981 |
| Lot Size | 1.13 acres (49,241 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,000 (Jan 2025) |
| Tax Bill | $2,749 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5110-0687-0120 |
| Primary APN | R32-323-17-5110-0687-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,262 sqft Living Area |
| Gross Area | 3,238 sqft |
| 1st Floor Area | 2,262 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 49,241 sqft (1.13 acres) |
| Lot Dimensions | 250 ft deep x 198 ft wide |
| Garage Type | Attached |
| Garage Area | 482 sqft |
| Pool Area | 442 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 458 sqft |
| Deck Area | 318 sqft |
| Patio Area | 318 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00294087 |
|---|---|
| Street Address | 12347 BARROW ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 11 BLK 687 LOT 12 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 11 |
| Legal Block | 687 |
| Legal Lot Number | 12 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 40912 |
Source: Hernando County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 12347 BARROW ST, SPRING HILL, FL 34609-4902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| May 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2025 · Amount on Record |
| Deed Sale | Jan 23, 2025 · Amount on Record |
| Prior Sale | Sep 11, 2014 |
| Deed Document Number | 20255932 |
| Deed Book / Page | 4515 / 1645 |
| Prior Transfer Date | Aug 2, 2006 |
| Prior Transfer Doc | 0023110419 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 12347 BARROW ST, SPRING HILL, FL 34609-4902 |
| Document Number | 0000051552 |
| Book / Page | 4741 / 1874 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202651552 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12347 BARROW ST, SPRING HILL, FL 34609-4902 |
| Document Number | 0000051552, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 4741/1874 |
| Instrument | 202651552 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 29, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 14, 2026 |
| Property Address | 12347 BARROW ST, SPRING HILL, FL 34609-4902 |
| Document Number | 0000032711 |
| Book / Page | 4709 / 581 |
| Instrument Date | May 7, 2026 |
| Instrument | 202632711 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12347 BARROW ST, SPRING HILL, FL 34609-4902 |
| Document Number | 0000032711, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 4709/581 |
| Instrument | 202632711 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,749.00 (+35.49%) | $183,599 (+5.99%) | $393,498 (+0.36%) Land $108,330 Building $285,168 |
| 2023 | $173,228 (+3%) Land $173,228 | ||
| 2022 | $2,029.00 Homeowner's exemption | $168,183 | $392,080 Land $98,482 Building $293,598 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
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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