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12403 Centennial St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12403 Centennial St, Spring Hill, FL 34609 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,473 sqft · built 2002
Lot Size0.978 acres (42,609 sqft)
OwnerIndividual Name on File
Last Sale$470,000 (Jun 2026)
Tax Bill$2,746 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNR32-323-17-5200-1257-0130

Property Details

APN / Parcel Number

Primary APNR32-323-17-5200-1257-0130
Alternative APNs
  • 00685896
  • 685896

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area2,473 sqft Living Area
Gross Area3,265 sqft
1st Floor Area2,473 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area42,609 sqft (0.978 acres)
Lot Dimensions160 ft deep x 58 ft wide
Garage TypeAttached
Garage Area457 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area364 sqft
PorchOpen Porch
Porch Area1,271 sqft
Deck Area260 sqft
Patio Area572 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00685896
Street Address12403 CENTENNIAL ST
CitySPRING HILL
StateFL
Zip34609-1406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 20 BLK 1257 LOT 13
Legal Range17E
Legal Township23S
Legal Section32
Legal SubdivisionSPRING HILL UNIT 20
Legal Block1257
Legal Lot Number13
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group1
Census Block1014
Census Tract41005

Owner

Source: Hernando County records · APN R32-323-17-5200-1257-0130

Assessment roll updated December 8, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address12403 CENTENNIAL ST, SPRING HILL, FL 34609-1406
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 02, 2026 · Amount on Record
Deed SaleJun 02, 2026 · Amount on Record
Prior SaleOct 21, 2010 · Amount on Record
Deed Document Number202637057
Deed Book / Page4716 / 1882
Record UpdatedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJun 02, 2026
Property Address12403 CENTENNIAL ST, SPRING HILL, FL 34609-1406
Document Number0000037057
Book / Page4716 / 1882
Instrument DateJun 01, 2026
Instrument202637057
Transaction TypeTransfer
Record UpdatedJun 12, 2026
Title CompanySOUTHEAST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$332,290.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address12403 CENTENNIAL ST, SPRING HILL, FL 34609-1406

Mortgage

Document Number0000037058,
DateJun 02, 2026
Instrument202637058
Lender
NameEVERETT FINANCIAL INC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.3%
Max Rate-1%

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,746.00 (+35.47%) Homeowner's exemption$183,392 (+5.99%)$449,675 (+3.92%) Land $78,827 Building $370,848
2023$173,033 Land $173,033
2022$2,027.00$432,696 Land $62,209 Building $370,487

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530410051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies5 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 355 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Open InfraFiber8,000 / 8,000
WOW Internet, Cable & PhoneFiber5,000 / 5,000
Tillman Global HoldingsFiber2,000 / 2,000
SpectrumCable1,000 / 50
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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