12439 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12439 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,261 sqft · built 1986
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (May 2018)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0867-0240`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0867-0240`
Alternative APNs	`00454993` `454993`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,261 sqft Living Area
1st Floor Area	1,261 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	276 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00454993
Street Address	12439 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 24
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	867
Legal Lot Number	24
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1026
Census Tract	40907

Owner

12439 Spreading Oak Dr is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	12439 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.

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 30, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Prior Sale	Aug 21, 2009 · Amount on File
Deed Document Number	2018032983
Deed Book / Page	3588 / 0607
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12439 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12439 SPREADING OAK DR, SPRING HILL, FL 34609-4068

Mortgage

Document Number	0039931712
Date	May 6, 2021
Book Page	3993/1712
Instrument	2021033409

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12439 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036580787
Date	Jan 3, 2019
Book Page	3658/0787
Instrument	2019000563

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jun 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 30, 2018
Property Address	12439 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0035880607
Book / Page	3588 / 0607
Map Reference	MB8 PG84-100
Instrument Date	May 24, 2018
Instrument	2018032983
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHERN SECURITY TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12439 SPREADING OAK DR, 12439, SPRING HILL, FL 34609-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12439 SPEADING OAK DR, SPRING HILL, FL 34609-4068

Mortgage

Document Number	2018032984
Date	May 30, 2018
Instrument	2018032984

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12439 Spreading Oak Dr was $1,135 with an additional exemption.

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	$1,135.00 Additional exemption filed	$119,000	$183,993 Land $37,500 Building $146,493
2023		$112,278 (+3%) Land $112,278
2022	$1,104.00 Homeowner's exemption	$109,008	$182,793 Land $32,000 Building $150,793

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

Flood

FEMA maps place 12439 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 12439 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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