1245 Coble Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 1245 Coble Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,149 sqft · built 2007
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jul 2026)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0412-0140`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0412-0140`
Alternative APNs	`00271388` `271388`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,149 sqft Living Area
Gross Area	2,869 sqft
1st Floor Area	2,149 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00271388
Street Address	1245 COBLE RD
City	SPRING HILL
State	FL
Zip	34608-6411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 412 LOT 14 ORB 316 PG 626
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	412
Legal Lot Number	14
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3010
Census Tract	40901

Owner

Source: Hernando County records, as of August 4, 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	1245 COBLE RD, SPRING HILL, FL 34608-6411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 22, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRSTBANK
Mar 22, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Jan 9, 2014 · Amount on Record
Deed Document Number	202648095
Deed Book / Page	4735 / 1845
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 16, 2026
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Document Number	0000048095
Book / Page	4735 / 1845
Instrument Date	Jun 26, 2026
Instrument	202648095
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1245 COBLE RD, SPRING HILL, FL 34608-6411

Mortgage

Document Number	0000048096,
Date	Jul 16, 2026
Instrument	202648096

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1245 COBLE RD, SPRING HILL, FL 34608-6411

Mortgage

Document Number	0043150738
Date	Jun 28, 2023
Book Page	4315/738
Instrument	2023040678

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1245 COBLE RD, SPRING HILL, FL 34608-6411

Mortgage

Document Number	0039521318
Date	Feb 12, 2021
Book Page	3952/1318
Instrument	2021010078

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040990961
Date	Dec 14, 2021
Book Page	4099/961
Instrument	2021094143

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Document Number	0034521554
Instrument Date	Mar 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1245 COBLE RD SPRING HILL FL 346086411, SPRING HILL, FL 34608-6411

Mortgage

Document Number	0034521554
Date	Mar 28, 2017
Book Page	003452/001554
Instrument	17264

Lender

Name	FIRSTBANK
Type	Bank
Address	BIRMINGHAM, AL 35243

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Mar 27, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.43%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1245 COBLE RD, SPRING HILL, FL 34608-6411
Document Number	0034521569
Instrument Date	Mar 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1245 COBLE RD SPRING HILL FL 346086411, SPRING HILL, FL 34608-6411

Mortgage

Document Number	0034521569
Date	Mar 28, 2017
Book Page	003452/001569
Instrument	17265

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	924 Months
Due	Mar 27, 2094

Interest

Rate Type	Adjustable Rate
Rate	4.43%

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	$2,138.00 (+50.99%) Homeowner's exemption	$140,764 (+5.99%)	$279,877 (-16.98%) Land $29,200 Building $250,677
2023		$132,813 (+3%) Land $132,813
2022	$1,416.00 Homeowner's exemption	$128,945	$337,122 Land $33,000 Building $304,122

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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	Not rated no burnable land within 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 285 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
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications, Verizon.

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