13078 Centennial St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13078 Centennial St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,654 sqft · built 1990
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,500 (Jul 2019)
Tax Bill	$4,480 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-00F0-0000`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-00F0-0000`
Alternative APNs	`00417711` `417711`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
1st Floor Area	1,654 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	125 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	1,019 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00417711
Street Address	13078 CENTENNIAL ST
City	SPRING HILL
State	FL
Zip	34609-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 TRACT F LESS S 50 FT
Legal Range	18E
Legal Township	23S
Legal Section	04
Legal Subdivision	SPRING HILL UNIT 20
Legal Tract	F
Legal Unit	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1017
Census Tract	41005

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	2 Individual Names on Record
Mailing Address	13078 CENTENNIAL ST, SPRING HILL, FL 34609-1421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2019 · Amount on Record
Deed Sale	Jul 17, 2019 · Amount on Record
Prior Sale	Sep 27, 1996
Deed Document Number	2019044305
Deed Book / Page	3728 / 1277
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 17, 2019
Property Address	13078 CENTENNIAL ST, SPRING HILL, FL 34609-1421
Document Number	0037281277
Book / Page	003728 / 001277
Instrument Date	Jul 8, 2019
Instrument	44305
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,305.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13078 CENTENNIAL ST SPRING HILL FL 346091421, SPRING HILL, FL 34609-1421

Mortgage

Document Number	37281279
Date	Jul 17, 2019
Book Page	003728/001279
Instrument	44306

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

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	$4,480.00 (+6.16%)	$299,213 (+21%)	$332,610 (+3.76%) Land $58,701 Building $273,909
2023		$247,284 Land $2,251 Building $245,033
2022	$4,220.00		$320,552 Land $46,526 Building $274,026

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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 318 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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