13108 Oneida St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13108 Oneida St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,754 sqft · built 2010
Lot Size	0.271 acres (11,786 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (May 2026)
Tax Bill	$4,044 (2025)
Deeds & Mortgages	Sep 2026 Transfer May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1319-0280`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1319-0280`
Alternative APNs	`00699060` `699060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,238 sqft
1st Floor Area	1,754 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2012
Exterior Material	Block/Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,786 sqft (0.271 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00699060
Street Address	13108 ONEIDA ST
City	SPRING HILL
State	FL
Zip	34609-1283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1319 LOT 28
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1319
Legal Lot Number	28
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1010
Census Tract	41005

Owner

13108 Oneida St is owned and occupied by two individuals who bought it in May 2026.

Source: Hernando County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 23, 2026	Correction Deed TURNER TITLE INC
May 28, 2026	Warranty Deed, Transfer · FHA Mortgage NEST HOME LENDING LLC
May 28, 2026	Warranty Deed, Transfer · FHA Mortgage PLANET HOME LENDING
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 5, 2018	Warranty Deed, Transfer · FHA Mortgage PATRIOT LNDG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Jul 21, 2021 · Amount on File
Deed Document Number	202636133
Deed Book / Page	4715 / 278
Record Updated	Oct 29, 2026

September 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 23, 2026
Property Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Document Number	0000064092
Book / Page	4763 / 755
Instrument Date	Sep 17, 2026
Instrument	202664092
Record Updated	Oct 13, 2026
Title Company	TURNER TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 28, 2026
Property Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Document Number	0000036133
Book / Page	4715 / 278
Instrument Date	Mar 27, 2026
Instrument	202636133
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	TURNER TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283

Mortgage

Document Number	0000036134,
Date	May 28, 2026
Instrument	202636134

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	383 Months
Due	Apr 1, 2058

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000036135,
Date	May 28, 2026
Book Page	4715/295
Instrument	202636135

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 28, 2026
Property Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Document Number	0047150278
Book / Page	4715 / 278
Instrument Date	Mar 27, 2026
Instrument	202636133
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	TURNER TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283

Mortgage

Document Number	0000036134,
Date	May 28, 2026
Instrument	202636134

Lender

Name	PLANET HOME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	383 Months
Due	Apr 1, 2058

Interest

Rate	5.75%
Max Rate	-1%

Mortgage

Document Number	0000036135,
Date	May 28, 2026
Book Page	4715/295
Instrument	202636135

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 21, 2021
Property Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Document Number	0040291314
Book / Page	4029 / 1314
Map Reference	MB 9 PG 65-80
Instrument Date	Jul 16, 2021
Instrument	2021054648
Transaction Type	Transfer
Record Updated	Aug 27, 2021
Title Company	SOUTHERN SECURITY TTL OF NAT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10901 CLAYMONT DR, 10901, NEW PORT RICHEY, FL 34654-6018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283

Mortgage

Document Number	40291317
Date	Jul 21, 2021
Instrument	4029/1317

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0040291330
Date	Jul 21, 2021
Book Page	4029/1330
Instrument	2021054650

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 5, 2018
Property Address	13108 ONEIDA ST, SPRING HILL, FL 34609-1283
Document Number	0035901080
Book / Page	003590 / 001080
Instrument Date	May 31, 2018
Instrument	34332
Transaction Type	Transfer
Record Updated	Dec 26, 2018
Title Company	SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2704 BANNER STONE CT HOLIDAY FL 346917845, HOLIDAY, FL 34691-7845

Mortgage

Document Number	35901081
Date	Jun 5, 2018
Book Page	003590/001081
Instrument	34333

Lender

Name	PATRIOT LNDG SVCS
Address	CARNEGIE, PA 15106

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 13108 Oneida St was $4,044.

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	$4,044.00	$274,279	$283,095 Land $45,376 Building $237,719
2023		$258,785 (+3%) Land $25,518 Building $233,267
2022	$3,329.00 Homeowner's exemption	$251,248 Land $23,336 Building $227,912	$272,396 Land $35,947 Building $236,449

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

Flood

FEMA maps place 13108 Oneida St in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 13108 Oneida St is low, with a 0.03% annual chance of 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	0.03% 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 276 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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