12978 Ledgerock Ct, Spring Hill, FL 34609 Property Records

Hernando County property record for 12978 Ledgerock Ct, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Jun 2017)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R09-223-18-3425-0000-0240`

Property Details

APN / Parcel Number

Primary APN	`R09-223-18-3425-0000-0240`
Alternative APNs	`01537894` `1537894`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01537894
Street Address	12978 LEDGEROCK CT
City	SPRING HILL
State	FL
Zip	34609-1741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAND RIDGE PHASE ONE LOT 24
Legal Range	18E
Legal Township	23S
Legal Section	09
Legal Subdivision	SAND RIDGE PHASE 1
Legal Phase	1
Legal Lot Number	24
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3000
Census Tract	40908

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12978 LEDGEROCK CT, SPRING HILL, FL 34609-1741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 28, 2017	Warranty Deed, Transfer · FHA Mortgage PATRIOT LNDG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2017 · Amount on Record
Deed Sale	Jun 28, 2017 · Amount on Record
Prior Sale	May 18, 2005 · Amount on Record
Deed Document Number	2017036628
Deed Book / Page	3482 / 1871
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	12978 LEDGEROCK CT, SPRING HILL, FL 34609-1741
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 LEDGEROCK CT, SPRING HILL, FL 34609-1741

Mortgage

Document Number	0046061711
Date	Sep 8, 2025
Book Page	4606/1711
Instrument	2025062359

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	262 Months
Due	Jul 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 28, 2017
Property Address	12978 LEDGEROCK CT, SPRING HILL, FL 34609-1741
Document Number	0034821871
Book / Page	003482 / 001871
Instrument Date	Jun 26, 2017
Instrument	36628
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12978 LEDGEROCK CT SPRING HILL FL 346091741, SPRING HILL, FL 34609-1741

Mortgage

Document Number	34821874
Date	Jun 28, 2017
Book Page	003482/001874
Instrument	36629

Lender

Name	PATRIOT LNDG SVCS
Address	CARNEGIE, PA 15106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

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	$1,593.00 (+1.92%) Additional exemption filed	$151,077 (+5.99%)	$267,069 (+6.59%) Land $50,422 Building $216,647
2023		$142,543 Land $142,543
2022	$1,563.00		$250,556 Land $50,422 Building $200,134

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

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Oct 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 295 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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