12397 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12397 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,148 sqft · built 1985
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Nov 2021)
Tax Bill	$2,016 (2025)
Deeds & Mortgages	Apr 2022 Transfer Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0867-0190`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0867-0190`
Alternative APNs	`00454948` `454948`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 86 ft wide
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00454948
Street Address	12397 SPREADING OAK DR
City	SPRING HILL
State	FL
Zip	34609-4065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 867 LOT 19
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	867
Legal Lot Number	19
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1026
Census Tract	40907

Owner

12397 Spreading Oak Dr is owned and occupied by an individual who acquired it in April 2022.

Source: Hernando County records, as of December 10, 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	Individual Name on File
Mailing Address	12397 SPREADING OAK DR, SPRING HILL, FL 34609-4065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Prior Sale	Nov 16, 2021 · Amount on File
Deed Document Number	0040860670
Deed Book / Page	4086 / 670
Last Transfer Date	Apr 12, 2022
Transfer Doc	0041541705
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Apr 12, 2022
Property Address	12397 SPREADING OAK DR, SPRING HILL, FL 34609-4065
Document Number	0041541705
Book / Page	4154 / 1705
Map Reference	MB 8 PG 84-100
Instrument Date	Mar 4, 2022
Instrument	2022027761
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13309 THRASHER AVE, WEEKI WACHEE, FL 34614-0701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13309 THRASHER AVE, WEEKI WACHEE, FL 34614-0701

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 16, 2021
Property Address	12397 SPREADING OAK DR, SPRING HILL, FL 34609-4065
Document Number	0040860670
Book / Page	4086 / 670
Map Reference	MB 8 PG 84-100
Instrument Date	Nov 5, 2021
Instrument	2021086588
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	MILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13309 THRASHER AVE, WEEKI WACHEE, FL 34614-0701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11910 CASSANDRA ST UNIT 105, 105, NEW PORT RICHEY, FL 34654-1527

Mortgage

Document Number	0004086672
Date	Nov 16, 2021
Instrument	4086/672

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12397 Spreading Oak Dr was $2,016 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	$2,016.00 Additional exemption filed	$180,720	$181,231 Land $40,774 Building $140,457
2023		$170,512 (+3%) Land $28,500 Building $142,012
2022	$1,988.00 Homeowner's exemption	$165,546 Land $28,052 Building $137,494	$179,090 Land $34,794 Building $144,296

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

Flood

FEMA maps place 12397 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 12397 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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