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12432 Centennial St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12432 Centennial St, Spring Hill, FL 34609 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,402 sqft · built 2016
Lot Size0.3 acres (13,068 sqft)
OwnerIndividual Name on File
Last Sale$189,600 (Jun 2016)
Tax Bill$2,373 (2025)
Deeds & MortgagesNov 2021 Mortgage
Sep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNR32-323-17-5200-1257-0150

Property Details

APN / Parcel Number

Primary APNR32-323-17-5200-1257-0150
Alternative APNs
  • 00685912
  • 685912

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms3 Rooms
Stories1 Story
Building Area2,402 sqft Living Area
1st Floor Area2,402 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,068 sqft (0.3 acres)
Lot Dimensions140 ft deep x 99 ft wide
Garage Area560 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area199 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00685912
Street Address12432 CENTENNIAL ST
CitySPRING HILL
StateFL
Zip34609-1417
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 20 BLK 1257 LOT 15
Legal Range18E
Legal Township23S
Legal Section04
Legal SubdivisionSPRING HILL UNIT 20
Legal Block1257
Legal Lot Number15
Legal Unit20
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group1
Census Block1014
Census Tract41005

Owner

Source: Hernando County records · APN R32-323-17-5200-1257-0150

Assessment roll updated October 31, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address12432 CENTENNIAL ST, SPRING HILL, FL 34609-1417
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 09, 2021Deed of Trust, Mortgage · FHA Mortgage
LOANDEPOT.COM LLC
Sep 23, 2020Deed of Trust, Mortgage · FHA Mortgage
LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 14, 2016 · Amount on Record
Deed SaleJun 14, 2016 · Amount on Record
Prior SaleNov 07, 2014 · Amount on Record
Deed Document Number2016032787
Deed Book / Page3368 / 0195
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address12432 CENTENNIAL ST, SPRING HILL, FL 34609-1417
Transaction TypeMortgage
Record UpdatedDec 08, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address12432 CENTENNIAL ST, SPRING HILL, FL 34609-1417

Mortgage

Document Number0040821093
DateNov 09, 2021
Book Page4082/1093
Instrument2021084379
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address12432 CENTENNIAL ST, SPRING HILL, FL 34609-1417
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address12432 CENTENNIAL ST, SPRING HILL, FL 34609-1417

Mortgage

Document Number0038901352
DateSep 23, 2020
Book Page3890/1352
Instrument2020058511
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,373.00 (+1.15%) Additional exemption filed$205,678 (+5.99%)$411,116 (+3.23%) Land $51,035 Building $360,081
2023$194,059 (+4.62%) Land $194,059
2022$2,346.00 Homeowner's exemption$185,481$398,246 Land $40,438 Building $357,808

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 318 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 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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