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12654 Wind Chime Ct, Spring Hill, FL 34609 Property Records

Hernando County property record for 12654 Wind Chime Ct, Spring Hill, FL 34609

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,316 sqft · built 2018
Lot Size0.5 acres (21,780 sqft)
Owner2 Individual Names on File
Last Sale$237,000 (Jun 2018)
Tax Bill$2,498 (2025)
Deeds & MortgagesMar 2021 Mortgage
May 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNR16-223-18-3038-0000-0650

Property Details

APN / Parcel Number

Primary APNR16-223-18-3038-0000-0650
Alternative APNs
  • 01682370
  • 1682370

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area2,316 sqft Living Area
1st Floor Area2,316 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,780 sqft (0.5 acres)
Garage Area758 sqft
Parking Spaces3 Parking Spaces
PorchPorch
Porch Area252 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number01682370
Street Address12654 WIND CHIME CT
CitySPRING HILL
StateFL
Zip34609-4348
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPLANTATION PALMS LOT 65
Legal Range18E
Legal Township23S
Legal Section16
Legal SubdivisionPLANTATION PALMS
Legal Lot Number65
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group3
Census Block3017
Census Tract40908

Owner

12654 Wind Chime Ct is owned and occupied by two individuals who bought it in June 2018.

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 Record2 Individual Names on File
Mailing Address12654 WIND CHIME CT, SPRING HILL, FL 34609-4348
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 19, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 19, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jun 28, 2018Grant Deed, Subdivision Related Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 28, 2018 · Amount on File
Deed SaleJun 28, 2018 · Amount on File
Prior SaleAug 22, 2016 · Amount on File
Deed Document Number2018039789
Deed Book / Page3598 / 0951
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address12654 WIND CHIME CT, SPRING HILL, FL 34609-4348
Transaction TypeMortgage
Record UpdatedJul 28, 2022
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address12654 WIND CHIME CT, SPRING HILL, FL 34609-4348

Mortgage

Document Number0039681545
DateMar 19, 2021
Book Page3968/1545
Instrument2021019151
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term351 Months
DueJun 1, 2050

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address12654 WIND CHIME CT, SPRING HILL, FL 34609-4348
Transaction TypeMortgage
Record UpdatedJul 28, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0038410588
DateMay 19, 2020
Book Page3841/588
Instrument2020030052
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2050

June 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionHERNANDO FL
Recording DateJun 28, 2018
Property Address12654 WIND CHIME CT, SPRING HILL, FL 34609-4348
Document Number0035980951
Book / Page003598 / 000951
Instrument DateJun 22, 2018
Instrument39789
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 20, 2018
Title CompanyPARAMOUNT TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,659.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12654 WIND CHIME CT SPRING HILL FL 346094348, SPRING HILL, FL 34609-4348

Mortgage

Document Number35980953
DateJun 28, 2018
Book Page003598/000953
Instrument39790
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12654 Wind Chime Ct was $2,498 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,498.00 Additional exemption filed$214,451$383,802 Land $47,246 Building $336,556
2023$202,337 Land $202,337
2022$2,472.00$379,443 Land $47,246 Building $332,197

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

Flood

FEMA maps place 12654 Wind Chime Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims1 (2024)
Most Recent ClaimOct 2024 · Hurricane Milton

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 12654 Wind Chime Ct is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 91 locations within half a mile, as of December 31, 2025

ProviderMax 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
Verizon
Fixed Wireless		300 / 20

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