12438 Citation Rd, Spring Hill, FL 34610 Property Records

Pasco County property record for 12438 Citation Rd, Spring Hill, FL 34610

Property Summary

Property Type	Single Family Home
Details	4 ba · 5,074 sqft · built 1988
Lot Size	4.11 acres (179,032 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Apr 2022)
Tax Bill	$9,885 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`02-25-18-0010-00000-0941`

Property Details

APN / Parcel Number

Primary APN	`02-25-18-0010-00000-0941`
Alternative APNs	`1825020010000000941` `0901407`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	5,074 sqft Living Area
1st Floor Area	2,784 sqft
Upper Floors Area	2,290 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	179,032 sqft (4.11 acres)
Garage Type	Detached
Garage Area	250 sqft
Driveway	Asphalt Driveway
Driveway Area	2,352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	448 sqft
Porch	Open Porch
Porch Area	96 sqft
Deck Area	168 sqft
Patio Area	1,324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	12438 CITATION RD
City	SPRING HILL
State	FL
Zip	34610-4822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER2
Legal Description	PASCO TRAILS UNIT ONE PB 14 PG 40 POR OF LOT 94 DESC AS COM AT SE COR OF LOT 94 FOR POB TH 201.99 FT ALG ARC OF CV L RAD 414.75 FT CHD N89DG 56 48W 200 FT TH N53DG 05 13W 365 FT TH N49DG 01 48E 651.39 FT TO NE COR OF SAID LOT 94 TH SOUTH 646.50 FT TO
Legal Range	18E
Legal Township	25S
Legal Section	02
Legal Subdivision	PASCO TRAILS
Legal Tract	10
Legal Lot Number	94
Jurisdiction	PASCO FL
Township / Civil Division	CENTRAL PASCO
Census Block Group	1
Census Block	1065
Census Tract	31901

Owner

12438 Citation Rd is owned and occupied by two individuals who bought it in April 2022.

Source: Pasco County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12438 CITATION RD, SPRING HILL, FL 34610-4822
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 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ACC MORTGAGE INC
Nov 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 12, 2022	Warranty Deed, Transfer · Balloon Mortgage ANDREW PADOVA IRA 8003671

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on File
Deed Sale	Apr 12, 2022 · Amount on File
Deed Document Number	202282956
Deed Book / Page	10591 / 2983
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	12438 CITATION RD, SPRING HILL, FL 34610-4822
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12438 CITATION RD, SPRING HILL, FL 34610-4822

Mortgage

Document Number	0112842050
Date	Sep 22, 2025
Book Page	11284/2050
Instrument	2025180090

Lender

Name	ACC MORTGAGE INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PASCO FL
Property Address	12438 CITATION RD, SPRING HILL, FL 34610-4822
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12438 CITATION RD, SHADY HILLS, FL 34610-4822

Mortgage

Document Number	0107161675
Date	Nov 1, 2022
Book Page	10716/1675
Instrument	2022234805

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PASCO FL
Recording Date	Apr 12, 2022
Property Address	12438 CITATION RD, SPRING HILL, FL 34610-4822
Document Number	0105912983
Book / Page	10591 / 2983
Map Reference	MB 14 PG 40
Instrument Date	Apr 5, 2022
Instrument	2022082956
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 RIVER LANDING DR, 605, SODDY DAISY, TN 37379-6350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12438 CITATION RD, SHADY HILLS, FL 34610-4822

Mortgage

Document Number	0105912984
Date	Apr 12, 2022
Instrument	10591/2984

Lender

Name	ANDREW PADOVA IRA 8003671
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	13 Months
Due	May 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 12438 Citation Rd was $9,885 with a homeowner's exemption, up 2.3% from the year before.

Source: Pasco County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pasco County
Unified School District	Pasco County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$634,430 (+2.9%)	$716,414 (-0.95%) Land $200,770 Building $515,644
2025	$9,885.00 (+2.28%) Homeowner's exemption	$616,550 Land $200,770 Building $415,780	$723,264 Land $200,770 Building $522,494
2024	$9,665.00 (+3.62%)
2023	$9,327.00 (+80.48%) Additional exemption filed	$581,728 (+62.19%) Land $182,520 Building $399,208	$694,098 (+15.4%) Land $182,520 Building $511,578
2022	$5,168.00	$358,670 Land $182,520 Building $176,150	$601,474 Land $182,520 Building $418,954

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.

Flood

FEMA maps place 12438 Citation Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 146 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	146 in force
Nearby Flood Claims	14 (1992–2024)
Claims Outside the SFHA	3 of 14
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Frances, Sep 2004 · 2 claims

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 12438 Citation Rd is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000

Cell Coverage

5G and 4G LTE (outdoors only)

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