12485 Seagate St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12485 Seagate St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,473 sqft · built 1984
Lot Size	0.289 acres (12,594 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Apr 2023)
Tax Bill	$794 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2022 Sale + 6 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1261-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1261-0050`
Alternative APNs	`00686500` `686500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,473 sqft Living Area
1st Floor Area	1,473 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,594 sqft (0.289 acres)
Lot Dimensions	156 ft deep x 119 ft wide

Exterior Amenities

Pool Area	288 sqft
Porch	Screened Aluminum Porch
Porch Area	690 sqft
Deck Area	72 sqft
Patio Area	42 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686500
Street Address	12485 SEAGATE ST
City	SPRING HILL
State	FL
Zip	34609-1357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1261 LOT 5 LESS THE NELY 65FT MOL DES IN ORB 2076 PG 1140
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1261
Legal Lot Number	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1022
Census Tract	41005

Owner

12485 Seagate St is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Apr 5, 2023	Warranty Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC
Dec 5, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage BAYER HERITAGE FCU
Jul 8, 2020	Grant Deed, Transfer ATTORNEY ONLY
Nov 18, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Apr 13, 2018	Grant Deed, Transfer BRICKHOUSE TITLE GROUP LLC
Sep 5, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN SOUTHWEST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2023 · Amount on File
Deed Sale	Apr 5, 2023 · Amount on File
Prior Sale	Dec 5, 2022 · Amount on File
Deed Document Number	202318834
Deed Book / Page	4282 / 652
Prior Transfer Date	Aug 5, 2005
Prior Transfer Doc	0000067895
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 5, 2023
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0042820652
Book / Page	4282 / 652
Map Reference	MB 9 PG 65-80
Instrument Date	Mar 21, 2023
Instrument	2023018834
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357

Mortgage

Document Number	0004282654
Date	Apr 5, 2023
Instrument	4282/654

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 5, 2022
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0042451979
Book / Page	4245 / 1979
Map Reference	MB 9 PG 65-80
Instrument Date	Nov 28, 2022
Instrument	2022085604
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,856.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3310 STATE ROUTE 681 N, ALBANY, OH 45710-9451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 24, 2021
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0039701499
Book / Page	3970 / 1499
Map Reference	MB 9 PG 65-80
Instrument Date	Mar 15, 2021
Instrument	2021020119
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TTL OF NAT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 STEWART ST, 41, MOUNDSVILLE, WV 26041-1132

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357

Mortgage

Document Number	39701501
Date	Mar 24, 2021
Instrument	3970/1501

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 1, 2020
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0038941182
Book / Page	3894 / 1182
Map Reference	MB 9 PG 65-80
Instrument Date	Sep 30, 2020
Instrument	2020060894
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14001 SW 84TH ST, 14001, MIAMI, FL 33183-4423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 STEWART ST, MOUNDSVILLE, WV 26041-1132

Mortgage

Document Number	38941184
Date	Oct 1, 2020
Instrument	3894/1184

Lender

Name	BAYER HERITAGE FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	4.37%
Index	1-Year CMT
Max Rate	8.37%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 8, 2020
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0038601731
Book / Page	003860 / 001731
Instrument Date	May 14, 2020
Instrument	41251
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$865.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14001 SW 84TH ST MIAMI FL 331834423, MIAMI, FL 33183-4423

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 18, 2019
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0037741945
Book / Page	003774 / 001945
Instrument Date	Oct 29, 2019
Instrument	72732
Transaction Type	Foreclosure
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 S BROAD ST 100 #A MERIDEN CT 06450, A, MERIDEN, CT 06450
Investor	Possibly a Property Investor

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 13, 2018
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0035730954
Book / Page	003573 / 000954
Instrument Date	Apr 12, 2018
Instrument	22711
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	BRICKHOUSE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$87.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13772 DUNWOODY DR SPRING HILL FL 346090614, SPRING HILL, FL 34609-0614

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 5, 2017
Property Address	12485 SEAGATE ST, SPRING HILL, FL 34609-1357
Document Number	0035040802
Book / Page	3504 / 0802
Map Reference	MB9 PG65-80
Instrument Date	Aug 30, 2017
Instrument	2017050666
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3223 ABERYLS ST, 3223, SPRING HILL, FL 34606-3004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	843 ELDA LN, WESTBURY, NY 11590-6023

Mortgage

Document Number	35040804
Date	Sep 5, 2017
Instrument	3504/0804

Lender

Name	AMERICAN SOUTHWEST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12485 Seagate St was $794.

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	$794.00	$199,436	$202,723 Land $46,598 Building $156,125
2023		$193,162 (+12.14%) Land $52,544 Building $140,618
2022	$2,933.00	$172,248 Land $23,929 Building $148,319	$193,162 Land $36,900 Building $156,262

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

Flood

FEMA maps place 12485 Seagate 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 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 12485 Seagate 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 99.8% 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 318 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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