12410 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12410 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1988
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Aug 2016)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0866-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0866-0030`
Alternative APNs	`00454671` `454671`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,868 sqft Living Area
1st Floor Area	1,868 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	197 ft deep x 82 ft wide
Garage Area	542 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	540 sqft
Porch	Porch
Porch Area	1,439 sqft
Deck Area	198 sqft
Patio Area	156 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00454671
Street Address	12410 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 3
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	866
Legal Lot Number	3
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1029
Census Tract	40907

Owner

12410 Spreading Oak Dr is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12410 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2016 · Amount on File
Deed Sale	Aug 25, 2016 · Amount on File
Prior Sale	Dec 12, 2001 · Amount on File
Deed Document Number	2016047549
Deed Book / Page	3390 / 0117
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12410 SPREADING OAK DR, SPRING HILL, FL 34609-4067
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12410 SPREADING OAK DR, SPRING HILL, FL 34609-4067

Mortgage

Document Number	0042221711
Date	Sep 21, 2022
Book Page	4222/1711
Instrument	2022070803

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 12410 Spreading Oak Dr was $3,975.

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	$3,975.00	$260,375	$301,587 Land $59,078 Building $242,509
2023		$214,722 Land $214,722
2022	$3,793.00		$298,681 Land $50,413 Building $248,268

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

Flood

FEMA maps place 12410 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 12410 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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