13095 Montego St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13095 Montego St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,986 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Owner Name on Record
Last Sale	$155,000 (Apr 2008)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0849-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0849-0200`
Alternative APNs	`00537841` `537841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,986 sqft Living Area
1st Floor Area	1,986 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00537841
Street Address	13095 MONTEGO ST
City	SPRING HILL
State	FL
Zip	34609-4276
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 849 LOT 20 ORB 2377 PG 661
Legal Range	18E
Legal Township	23S
Legal Section	21
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	849
Legal Lot Number	20
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2004
Census Tract	40907

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	Owner Name on Record
Mailing Address	2955 CHAPIN PASS, ODESSA, FL 33556-4300

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2008 · Amount on Record
Deed Sale	Apr 1, 2008 · Amount on Record
Prior Sale	Dec 7, 2006 · Amount on Record
Deed Document Number	2008017347
Deed Book / Page	2548 / 1190
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13095 MONTEGO ST, SPRING HILL, FL 34609-4276
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2955 CHAPIN PASS, ODESSA, FL 33556-4300

Mortgage

Document Number	0040160068
Date	Jun 21, 2021
Book Page	4016/68
Instrument	2021046610

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13095 MONTEGO ST, SPRING HILL, FL 34609-4276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034731962
Date	May 30, 2017
Book Page	3473/1962
Instrument	2017030739

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13095 MONTEGO ST, SPRING HILL, FL 34609-4276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037270062
Date	Jul 12, 2019
Book Page	3727/0062
Instrument	2019043276

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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	$3,492.00 (+4.15%)	$229,307 (+21%)	$264,318 (-0.06%) Land $35,625 Building $228,693
2023		$189,510 (-23.3%) Land $189,510
2022	$3,353.00	$247,085 Land $24,510 Building $222,575	$264,479 Land $30,400 Building $234,079

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
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

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

Wildfire Risk	Low lower than 95% 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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