12368 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12368 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,865 sqft · built 1986
Lot Size	0.43 acres (18,712 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Dec 2018)
Tax Bill	$2,609 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0866-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0866-0120`
Alternative APNs	`00454760` `454760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,865 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,865 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,712 sqft (0.43 acres)
Lot Dimensions	162 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	228 sqft
Porch	Enclosed Porch
Porch Area	1,421 sqft
Deck Area	228 sqft
Patio Area	39 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00454760
Street Address	12368 SPREADING OAK DR
City	SPRING HILL
State	FL
Zip	34609-4066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 866 LOT 12
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	866
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1029
Census Tract	40907

Owner

12368 Spreading Oak Dr is owned and occupied by two individuals who acquired it in December 2018.

Source: Hernando County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Dec 28, 2018	Correction Deed, Transfer TROPIC TITLE SERVICES, TROPIC TITLE SVCS
Dec 6, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018 · Amount on File
Deed Sale	Dec 6, 2018 · Amount on File
Prior Sale	Oct 20, 2005 · Amount on File
Deed Document Number	201873138
Deed Book / Page	3649 / 1179
Last Transfer Date	Dec 11, 2018
Transfer Doc	0036561009
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066

Mortgage

Document Number	0043141880
Date	Jun 28, 2023
Book Page	4314/1880
Instrument	2023040477

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	96 Months
Due	Jun 27, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066

Mortgage

Document Number	0039211487
Date	Dec 7, 2020
Book Page	3921/1487
Instrument	2020076613

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

December 2018: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 28, 2018
Property Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066
Document Number	0036561009
Book / Page	003656 / 001009
Instrument Date	Dec 11, 2018
Instrument	77712
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	TROPIC TITLE SERVICES, TROPIC TITLE SVCS

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 9TH ST CLARKSVILLE TN 370403021, CLARKSVILLE, TN 37040-3021

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 6, 2018
Property Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066
Document Number	0036491179
Book / Page	3649 / 1179
Map Reference	MB 8 PG 84-100
Instrument Date	Nov 29, 2018
Instrument	2018073138
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11968 HARBOUR COVE DR S, 11968, JACKSONVILLE, FL 32225-1680

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12368 SPREADING OAK DR, SPRING HILL, FL 34609-4066

Mortgage

Document Number	2018073139
Date	Dec 6, 2018
Instrument	2018073139

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12368 Spreading Oak Dr was $2,609 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	$2,609.00 Homeowner's exemption	$173,783	$274,699 Land $59,691 Building $215,008
2023		$163,966 (+3%) Land $163,966
2022	$1,889.00 Homeowner's exemption	$159,190	$272,075 Land $50,897 Building $221,178

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

Flood

FEMA maps place 12368 Spreading Oak Dr 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 12368 Spreading Oak Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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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