13321 Jay Ct, Spring Hill, FL 34609 Property Records

Hernando County property record for 13321 Jay Ct, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1990
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$272,000 (Mar 2023)
Tax Bill	$3,581 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5182-1828-0230`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5182-1828-0230`
Alternative APNs	`00840674` `840674`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	122 ft deep x 55 ft wide
Porch	Finished/Screened Porch
Porch Area	860 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00840674
Street Address	13321 JAY CT
City	SPRING HILL
State	FL
Zip	34609-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL-2ND REPLAT OF PORTIONS OF UNITS 18,19,20 BLK 1828 LOT 23
Legal Range	18E
Legal Township	23S
Legal Section	04
Legal Subdivision	SPRING HILL UNIT 18 REPL 2
Legal Block	1828
Legal Lot Number	23
Legal Unit	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1016
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	965 CANDLELIGHT BLVD APT 2, 2, BROOKSVILLE, FL 34601-3135
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 20, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Sep 20, 2022 · Amount on Record
Deed Document Number	2023014051
Deed Book / Page	4275 / 167
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 15, 2023
Property Address	13321 JAY CT, SPRING HILL, FL 34609-1440
Document Number	0042750167
Book / Page	4275 / 167
Map Reference	MB 17 PG 29-34
Instrument Date	Feb 28, 2023
Instrument	2023014051
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CANDLELIGHT BLVD APT 2, 2, BROOKSVILLE, FL 34601-3135

Mortgage

Document Number	2023014052
Date	Mar 15, 2023
Instrument	2023014052

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 20, 2022
Property Address	13321 JAY CT, SPRING HILL, FL 34609-1440
Document Number	0042220221
Book / Page	4222 / 221
Map Reference	MB 17 PG 29-34
Instrument Date	Sep 14, 2022
Instrument	2022070256
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,669.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10103 115TH AVE, LARGO, FL 33773-2340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 13, 2020
Property Address	13321 JAY CT, SPRING HILL, FL 34609-1440
Document Number	0038750621
Book / Page	3875 / 621
Map Reference	MB 17 PG 29-34
Instrument Date	Aug 12, 2020
Instrument	2020049403
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6481 HAZELWOOD RD, 6481, SPRING HILL, FL 34608-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13321 JAY CT, SPRING HILL, FL 34609-1440

Mortgage

Document Number	3875623
Date	Aug 13, 2020
Instrument	3875/623

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$3,581.00 (-2%)	$250,858 (+4.24%) Land $42,386 Building $208,472	$250,858 (+4.24%) Land $42,386 Building $208,472
2023		$240,654 Land $35,813 Building $204,841
2022	$3,654.00		$240,654 Land $32,779 Building $207,875

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	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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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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