12447 Spreading Oak Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 12447 Spreading Oak Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,027 sqft · built 1987
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Mar 2024)
Tax Bill	$3,955 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Dec 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0867-0250`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0867-0250`
Alternative APNs	`00455000` `455000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,027 sqft Living Area
Gross Area	2,791 sqft
1st Floor Area	2,027 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Screened Porch
Porch Area	1,186 sqft
Deck Area	168 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00455000
Street Address	12447 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 25
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	867
Legal Lot Number	25
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1026
Census Tract	40907

Owner

Source: Hernando County records, as of January 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Dec 18, 2023	Intrafamily Transfer, Transfer
Oct 17, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 26, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Oct 7, 2019	Warranty Deed, Transfer SOUTHEAST TITLE/THE SUNCOAST
Aug 16, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	202419058
Deed Book / Page	4407 / 287
Prior Transfer Date	Dec 16, 2023
Prior Transfer Doc	0043750002
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 26, 2024
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0044070287
Book / Page	4407 / 287
Map Reference	MB 8 PG 84-100
Instrument Date	Mar 22, 2024
Instrument	2024019058
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 ERA LN, SUMMERVILLE, SC 29486-2723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068

Mortgage

Document Number	0004407289
Date	Mar 26, 2024
Instrument	4407/289

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Dec 18, 2023
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0043750002
Book / Page	4375 / 2
Map Reference	MB 8 PG 84-100
Instrument Date	Dec 10, 2023
Instrument	2023079555
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 17, 2022
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0042301348
Book / Page	4230 / 1348
Map Reference	MB 8 PG 84-100
Instrument Date	Oct 13, 2022
Instrument	2022075732
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	TRUST & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12447 SPREADING OAK DR, 12447, SPRING HILL, FL 34609-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2523 PEEKSKILL RD, VALRICO, FL 33594-4642

Mortgage

Document Number	0042301350
Date	Oct 17, 2022
Book Page	4230/1350
Instrument	2022075733

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 26, 2020
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0038551715
Book / Page	003855 / 001715
Instrument Date	Jun 10, 2020
Instrument	38568
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12447 SPREADING OAK DR SPRING HILL FL 346094068, SPRING HILL, FL 34609-4068

Mortgage

Document Number	38551717
Date	Jun 26, 2020
Book Page	003855/001717
Instrument	38569

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 7, 2019
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0037580906
Book / Page	003758 / 000906
Instrument Date	Sep 27, 2019
Instrument	62370
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	SOUTHEAST TITLE/THE SUNCOAST

Transaction

Amount	Amount Recorded
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4266 RACHEL BLVD SPRING HILL FL 346072530, SPRING HILL, FL 34607-2530

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Aug 16, 2017
Property Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068
Document Number	0034980775
Book / Page	3498 / 0775
Map Reference	MB8 PG84-100
Instrument Date	Aug 8, 2017
Instrument	2017047076
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$381.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12447 SPREADING OAK DR, SPRING HILL, FL 34609-4068

Mortgage

Document Number	34980778
Date	Aug 16, 2017
Instrument	3498/0778

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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	$3,955.00 (+87.8%)	$268,078 (+46.27%) Land $37,500 Building $230,578	$268,078 (+6.75%) Land $37,500 Building $230,578
2023		$183,278 (+5.75%) Land $183,278
2022	$2,106.00 Homeowner's exemption	$173,305	$251,123 Land $32,000 Building $219,123

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

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 Record 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

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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