12482 Montego St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12482 Montego St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,000 sqft · built 1986
Lot Size	0.256 acres (11,135 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,000 (Mar 2026)
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0875-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0875-0070`
Alternative APNs	`00458926` `458926`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,699 sqft
1st Floor Area	1,000 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,135 sqft (0.256 acres)
Lot Dimensions	125 ft deep x 89 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	200 sqft
Porch	Screened Porch
Porch Area	111 sqft
Deck Area	192 sqft
Patio Area	70 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00458926
Street Address	12482 MONTEGO ST
City	SPRING HILL
State	FL
Zip	34609-4271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 875 LOT 7
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	875
Legal Lot Number	7
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2011
Census Tract	40907

Owner

Source: Hernando County records, as of March 26, 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	2 Individual Names on Record
Mailing Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE FUNDING INC
Dec 5, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 6, 2026	Warranty Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit SAN ANTONIO CITIZENS FCU
Sep 4, 2020	Warranty Deed, Transfer SOUTHEAST TITLE/THE SUNCOAST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	202614963
Deed Book / Page	4677 / 1688
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271

Mortgage

Document Number	0043691678
Date	Dec 5, 2023
Book Page	4369/1678
Instrument	2023076138

Lender

Name	RAPID MORTGAGE FUNDING INC
Type	Mortgage Company
Address	FARMINGTON, MI 48334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Investor	Possibly a Property Investor

Mortgage

Document Number	0044981266
Date	Dec 5, 2024
Book Page	4498/1266
Instrument	2024075225

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2054

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 6, 2026
Property Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Document Number	0046771688
Book / Page	4677 / 1688
Map Reference	MB 8 PG 84-100
Instrument Date	Feb 27, 2026
Instrument	2026014963
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	NEAR NORTH TITLE GROUP, NEAR NORTH TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,981.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14162 NICKELODEON ST, BROOKSVILLE, FL 34613-2704

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271

Mortgage

Document Number	0046771690
Date	Mar 6, 2026
Instrument	4677/1690

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271

Mortgage

Document Number	0039160527
Date	Nov 23, 2020
Book Page	3916/527
Instrument	2020073519

Lender

Name	SAN ANTONIO CITIZENS FCU
Type	Credit Union
Address	DADE CITY, FL 33525

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	228 Months
Due	Nov 28, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 4, 2020
Property Address	12482 MONTEGO ST, SPRING HILL, FL 34609-4271
Document Number	0038840787
Book / Page	003884 / 000787
Instrument Date	Sep 2, 2020
Instrument	54767
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	SOUTHEAST TITLE/THE SUNCOAST

Transaction

Amount	Amount Recorded
Tax	$1,008.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12482 MONTEGO ST SPRING HILL FL 346094271, SPRING HILL, FL 34609-4271

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	$3,031.00 (+36.29%)	$160,181 (+21%)	$168,612 (+1.46%) Land $40,086 Building $128,526
2023		$132,381 Land $17,560 Building $114,821
2022	$2,224.00		$166,189 Land $34,184 Building $132,005

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	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 317 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	1,000 / 35

May also be available: AT&T, T-Mobile, Verizon.

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