12475 Lombardy St, Spring Hill, FL 34608 Property Records

Hernando County property record for 12475 Lombardy St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,247 sqft · built 2004
Lot Size	0.313 acres (13,616 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Sep 2020)
Tax Bill	$3,840 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1357-0100`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1357-0100`
Alternative APNs	`00711821` `711821`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,247 sqft Living Area
Gross Area	3,029 sqft
1st Floor Area	2,247 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2016
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,616 sqft (0.313 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00711821
Street Address	12475 LOMBARDY ST
City	SPRING HILL
State	FL
Zip	34608-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1357 LOT 10
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1357
Legal Lot Number	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2034
Census Tract	41003

Owner

12475 Lombardy St is owned and occupied by an individual who bought it in September 2020.

Source: Hernando County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454
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
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 13, 2018	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2020 · Amount on File
Deed Sale	Sep 9, 2020 · Amount on File
Prior Sale	Mar 13, 2018 · Amount on File
Deed Document Number	202055321
Deed Book / Page	3885 / 718
Prior Transfer Date	Nov 12, 2013
Prior Transfer Doc	0030530987
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454

Mortgage

Document Number	0043691597
Date	Dec 5, 2023
Book Page	4369/1597
Instrument	2023076124

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 9, 2020
Property Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454
Document Number	0038850718
Book / Page	3885 / 718
Map Reference	MB 9 PG 65-80
Instrument Date	Aug 26, 2020
Instrument	2020055321
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHERN SECURITY TTL SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9834 SAGEASPEN LN, 9834, HOUSTON, TX 77089-3502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454

Mortgage

Document Number	3885723
Date	Sep 9, 2020
Instrument	3885/723

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 13, 2018
Property Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454
Document Number	0035610426
Book / Page	3561 / 0426
Map Reference	MB9 PG65
Instrument Date	Mar 6, 2018
Instrument	2018014513
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3478 WHISPY CT, 3478, SPRING HILL, FL 34609-4287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12475 LOMBARDY ST, SPRING HILL, FL 34608-1454

Mortgage

Document Number	2018014514
Date	Mar 13, 2018
Instrument	2018014514

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12475 Lombardy St was $3,840 with a homeowner's exemption.

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	$3,840.00 Homeowner's exemption	$259,998	$372,889 Land $49,835 Building $323,054
2023		$245,312 (+3%) Land $245,312
2022	$3,124.00 Homeowner's exemption	$238,167	$360,584 Land $39,486 Building $321,098

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

Flood

FEMA maps place 12475 Lombardy St 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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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 12475 Lombardy St 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 99.1% of the US · lower than 98.7% 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 290 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Tillman Fiber.

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