13005 Montego St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13005 Montego St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,354 sqft · built 1994
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$263,900 (Dec 2023)
Tax Bill	$3,255 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0876-0150`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0876-0150`
Alternative APNs	`00459355` `459355`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,354 sqft Living Area
Gross Area	2,302 sqft
1st Floor Area	1,354 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	596 sqft
Porch	Screened Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00459355
Street Address	13005 MONTEGO ST
City	SPRING HILL
State	FL
Zip	34609-4274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 876 LOT 15
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	876
Legal Lot Number	15
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2005
Census Tract	40907

Owner

13005 Montego St is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	13005 MONTEGO ST, SPRING HILL, FL 34609-4274
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 29, 2023	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage SIMPLE HOME LENDING LLC
Sep 22, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2023 · Amount on File
Deed Sale	Dec 29, 2023 · Amount on File
Prior Sale	Sep 22, 2022 · Amount on File
Deed Document Number	202381626
Deed Book / Page	4378 / 1027
Prior Transfer Date	Mar 16, 2005
Prior Transfer Doc	0020081008
Record Updated	Oct 29, 2026

December 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 29, 2023
Property Address	13005 MONTEGO ST, SPRING HILL, FL 34609-4274
Document Number	0043781027
Book / Page	4378 / 1027
Map Reference	MB 8 PG 84-100
Instrument Date	Oct 19, 2023
Instrument	2023081626
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2024
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,847.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13005 MONTEGO ST, SPRING HILL, FL 34609-4274

Mortgage

Document Number	0043781029
Date	Dec 29, 2023
Instrument	4378/1029

Lender

Name	SIMPLE HOME LENDING LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0043781042
Date	Dec 29, 2023
Book Page	4378/1042
Instrument	2023081628

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 22, 2022
Property Address	13005 MONTEGO ST, SPRING HILL, FL 34609-4274
Document Number	0042230207
Book / Page	4223 / 207
Map Reference	MB 8 PG 84-100
Instrument Date	Sep 21, 2022
Instrument	2022070969
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,743.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1401 MICHELLE ST, SPRING HILL, FL 34609-6260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MONTGOMERY ST STE 350, 350, SAN FRANCISCO, CA 94104-1925
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 13005 Montego St was $3,255.

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	$3,255.00	$224,001 Land $37,500 Building $186,501	$224,001 Land $37,500 Building $186,501
2023		$227,597 (+20.86%) Land $34,264 Building $193,333
2022	$3,456.00	$188,314 Land $25,800 Building $162,514	$227,597 Land $32,000 Building $195,597

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

Flood

FEMA maps place 13005 Montego St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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

Wildfire risk around 13005 Montego St is low, with a 0.02% annual chance of 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 95% 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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