12495 Oneida St, Spring Hill, FL 34609 Property Records

Hernando County property record for 12495 Oneida St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 1981
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Owner Names on File
Last Sale	$74,000 (Feb 2012)
Tax Bill	$1,397 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1314-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1314-0080`
Alternative APNs	`00697375` `697375`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,621 sqft Living Area
1st Floor Area	1,621 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,739 sqft
Patio Area	345 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00697375
Street Address	12495 ONEIDA ST
City	SPRING HILL
State	FL
Zip	34609-0916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1314 LOT 8
Legal Range	18E
Legal Township	23S
Legal Section	04
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1314
Legal Lot Number	8
Legal Unit	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1001
Census Tract	41005

Owner

The current owner of 12495 Oneida St bought it in February 2012.

Source: Hernando County records, as of December 10, 2025

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 Owner Names on File
Mailing Address	12495 ONEIDA ST, SPRING HILL, FL 34609-0916
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2012 · Amount on File
Deed Sale	Feb 29, 2012 · Amount on File
Deed Document Number	2012011670
Deed Book / Page	2884 / 1040
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12495 ONEIDA ST, SPRING HILL, FL 34609-0916
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039831444
Date	Apr 19, 2021
Book Page	3983/1444
Instrument	2021027337

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12495 ONEIDA ST, SPRING HILL, FL 34609-0916
Document Number	0038461609
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12495 ONEIDA ST SPRING HILL FL 346090916, SPRING HILL, FL 34609-0916

Mortgage

Document Number	0038461609
Date	Jun 3, 2020
Book Page	003846/001609
Instrument	33228

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 2, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12495 ONEIDA ST, SPRING HILL, FL 34609-0916
Document Number	0037611271
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12495 ONEIDA ST SPRING HILL FL 346090916, SPRING HILL, FL 34609-0916

Mortgage

Document Number	0037611271
Date	Oct 14, 2019
Book Page	003761/001271
Instrument	64567

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12495 ONEIDA ST, SPRING HILL, FL 34609-0916
Document Number	0035571201
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12495 ONEIDA ST SPRING HILL FL 346090916, SPRING HILL, FL 34609-0916

Mortgage

Document Number	0035571201
Date	Feb 28, 2018
Book Page	003557/001201
Instrument	12192

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12495 Oneida St was $1,397 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 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	$1,397.00 Additional exemption filed	$142,311	$266,013 Land $55,230 Building $210,783
2023		$134,272 (+3%) Land $134,272
2022	$1,362.00 Homeowner's exemption	$130,361	$256,132 Land $43,773 Building $212,359

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

Flood

FEMA maps place 12495 Oneida St in Zone X, an area of minimal flood risk.

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	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 12495 Oneida 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 325 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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