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13044 Montego St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13044 Montego St, Spring Hill, FL 34609

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,224 sqft · built 1987
Lot Size0.29 acres (12,645 sqft)
OwnerIndividual Name on File
Last Sale$86,900 (Mar 2015)
Tax Bill$1,597 (2025)
Deeds & MortgagesNov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNR32-323-17-5130-0850-0010

Property Details

APN / Parcel Number

Primary APNR32-323-17-5130-0850-0010
Alternative APNs
  • 00297075
  • 297075

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,224 sqft Living Area
Gross Area2,054 sqft
1st Floor Area1,224 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1992
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,645 sqft (0.29 acres)
Lot Dimensions125 ft deep x 102 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area312 sqft
PorchOpen Porch
Porch Area584 sqft
Deck Area24 sqft
Patio Area44 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00297075
Street Address13044 MONTEGO ST
CitySPRING HILL
StateFL
Zip34609-4275
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 13 BLK 850 LOT 1
Legal Range17E
Legal Township23S
Legal Section32
Legal SubdivisionSPRING HILL UNIT 13
Legal Block850
Legal Lot Number1
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group2
Census Block2006
Census Tract40907

Owner

13044 Montego St is owned and occupied by an individual who bought it in March 2015.

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

Owner of RecordIndividual Name on File
Mailing Address13044 MONTEGO ST, SPRING HILL, FL 34609-4275
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 13, 2015 · Amount on File
Deed SaleMar 13, 2015 · Amount on File
Prior SaleOct 15, 2014 · Amount on File
Deed Document Number201515204
Deed Book / Page3188 / 667
Prior Transfer DateAug 24, 2005
Prior Transfer Doc0020921370
Record UpdatedJun 8, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address13044 MONTEGO ST, SPRING HILL, FL 34609-4275
Transaction TypeMortgage
Record UpdatedJul 28, 2022
Title CompanyFLORIDA PROS LEGAL AND TITLE LLC, FLORIDA PROS LEGAL & TTL LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0040921042
DateNov 30, 2021
Book Page4092/1042
Instrument2021090307
Lender
NameCORNING FCU
TypeCredit Union
AddressCORNING, NY 14830
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueDec 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 13044 Montego St was $1,597 with exemptions applied.

Source: Hernando County assessment roll, as of December 8, 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$1,597.00 Homeowner's exemption Disabled Person's exemption$107,909$195,660 Land $47,419 Building $148,241
2023$101,814 Land $101,814
2022$869.00$192,969 Land $40,464 Building $152,505

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

Flood

FEMA maps place 13044 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2004)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 13044 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% 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 317 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

May also be available: AT&T, T-Mobile, Verizon.

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