12402 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12402 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,245 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Mar 2020)
Tax Bill	$1,856 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0866-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0866-0020`
Alternative APNs	`00454662` `454662`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,245 sqft Living Area
1st Floor Area	1,245 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	181 ft deep x 81 ft wide
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Porch
Porch Area	1,274 sqft
Deck Area	280 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00454662
Street Address	12402 SPREADING OAK DR
City	SPRING HILL
State	FL
Zip	34609-4067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 866 LOT 2
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	866
Legal Lot Number	2
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1029
Census Tract	40907

Owner

12402 Spreading Oak Dr is owned and occupied by an individual who bought it in March 2020.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12402 SPREADING OAK DR, SPRING HILL, FL 34609-4067
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 23, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Mar 19, 2020	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2020 · Amount on File
Deed Sale	Mar 19, 2020 · Amount on File
Prior Sale	Jun 29, 2016 · Amount on File
Deed Document Number	0038201773
Deed Book / Page	3820 / 1773
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12402 SPREADING OAK DR, SPRING HILL, FL 34609-4067
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12402 SPREADING OAK DR, SPRING HILL, FL 34609-4067

Mortgage

Document Number	0040600545
Date	Sep 23, 2021
Book Page	4060/545
Instrument	2021071635

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 19, 2020
Property Address	12402 SPREADING OAK DR, SPRING HILL, FL 34609-4067
Document Number	0038201773
Book / Page	3820 / 1773
Map Reference	MB 8 PG 84-100
Instrument Date	Mar 19, 2020
Instrument	2020018370
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	AMERICAS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8190 JASBOW JCT, 8190, WEEKI WACHEE, FL 34613-4585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12402 SPREADING OAK DR, SPRING HILL, FL 34609-4067

Mortgage

Document Number	38201775
Date	Mar 19, 2020
Instrument	3820/1775

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12402 Spreading Oak Dr was $1,856 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	$1,856.00 Additional exemption filed	$169,493	$232,419 Land $54,191 Building $178,228
2023		$159,918 Land $159,918
2022	$1,827.00		$229,499 Land $46,243 Building $183,256

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

Flood

FEMA maps place 12402 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 12402 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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