13324 Cecil Ct, Spring Hill, FL 34609 Property Records

Hernando County property record for 13324 Cecil Ct, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,266 sqft · built 1989
Lot Size	0.707 acres (30,780 sqft)
Owner	2 Individual Names on File
Last Sale	$204,000 (May 2016)
Tax Bill	$782 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R03-223-18-2812-0000-0540`

Property Details

APN / Parcel Number

Primary APN	`R03-223-18-2812-0000-0540`
Alternative APNs	`01133142` `1133142`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,266 sqft Living Area
Gross Area	2,986 sqft
1st Floor Area	2,266 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	30,780 sqft (0.707 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	435 sqft
Porch	Open Porch
Porch Area	1,455 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01133142
Street Address	13324 CECIL CT
City	SPRING HILL
State	FL
Zip	34609-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS UNIT TWO LOT 54
Legal Range	18E
Legal Township	23S
Legal Section	03
Legal Subdivision	OAKS (THE) UNIT 2
Legal Lot Number	54
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1008
Census Tract	40909

Owner

13324 Cecil Ct is owned and occupied by two individuals who bought it in May 2016.

Source: Hernando County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13324 CECIL CT, SPRING HILL, FL 34609-8938
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 8, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage GROW FINANCIAL FEDERAL CREDIT UNION
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit GROW FINANCIAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2016 · Amount on File
Deed Sale	May 26, 2016 · Amount on File
Prior Sale	Jul 17, 2001 · Amount on File
Deed Document Number	201629698
Deed Book / Page	3363 / 709
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 8, 2026
Property Address	13324 CECIL CT, SPRING HILL, FL 34609-8938
Document Number	0000068590
Book / Page	4770 / 1740
Instrument Date	Oct 2, 2026
Instrument	202668590
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	13324 CECIL CT, SPRING HILL, FL 34609-8938

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 27, 2026
Property Address	13324 CECIL CT, SPRING HILL, FL 34609-8938
Document Number	0000050266
Book / Page	4739 / 1956
Instrument Date	Jul 20, 2026
Instrument	202650266
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13324 CECIL CT, SPRING HILL, FL 34609-8938

Mortgage

Document Number	0000050266,
Date	Jul 27, 2026
Book Page	4739/1956
Instrument	202650266

Lender

Name	GROW FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13324 CECIL CT, SPRING HILL, FL 34609-8938
Transaction Type	Mortgage
Record Updated	May 21, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044151952
Date	Apr 29, 2024
Book Page	4415/1952
Instrument	2024024121

Lender

Name	GROW FINANCIAL FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 13324 Cecil Ct was $782 with a veteran's exemption, up 2.1% from the year before.

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	$782.00 (+2.09%) Veteran's exemption	$235,245	$372,418 Land $48,325 Building $324,093
2024	$766.00
2023	Additional exemption filed	$221,956 Land $221,956
2022			$381,574 Land $48,325 Building $333,249

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

Flood

FEMA maps place 13324 Cecil Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 13324 Cecil Ct is low, with a 0.01% 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	0.01% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: WOW Internet, Cable & Phone.

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