Hernando County property record for 12413 Spreading Oak Dr, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 2005 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $224,000 (Aug 2005) |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5130-0867-0210 |
| Primary APN | R32-323-17-5130-0867-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 2,128 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| 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 | 125 ft deep x 90 ft wide |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 64 sqft |
| Patio Area | 442 sqft |
| Utility Building | 110 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00454966 |
|---|---|
| Street Address | 12413 SPREADING OAK DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4068 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 13 BLK 867 LOT 21 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 21 |
| Legal Subdivision | SPRING HILL UNIT 13 |
| Legal Block | 867 |
| Legal Lot Number | 21 |
| Legal Unit | 13 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 40907 |
12413 Spreading Oak Dr is owned and occupied by two individuals who bought it in August 2005.
Source: Hernando County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12413 SPREADING OAK DR, SPRING HILL, FL 34609-4068 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2005 · Amount on File |
| Deed Sale | Aug 26, 2005 · Amount on File |
| Prior Sale | Jul 7, 2005 |
| Deed Document Number | 2005075013 |
| Deed Book / Page | 2090 / 1495 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 12413 SPREADING OAK DR, SPRING HILL, FL 34609-4068 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0037921017 |
|---|---|
| Date | Jan 6, 2020 |
| Book Page | 3792/1017 |
| Instrument | 2020000900 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 12413 Spreading Oak Dr was $1,403 with an additional exemption.
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,403.00 Additional exemption filed | $137,758 | $315,739 Land $42,188 Building $273,551 |
| 2023 | $129,977 (+3%) Land $129,977 | ||
| 2022 | $1,373.00 Homeowner's exemption | $126,191 | $316,356 Land $36,000 Building $280,356 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12413 Spreading Oak Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 12413 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.
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 |
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.
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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