13354 Tracy St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13354 Tracy St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,752 sqft · built 1995
Lot Size	0.688 acres (29,964 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Oct 2019)
Tax Bill	$3,274 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R03-223-18-2814-0000-2130`

Property Details

APN / Parcel Number

Primary APN	`R03-223-18-2814-0000-2130`
Alternative APNs	`01158142` `1158142`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,752 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	1,752 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,964 sqft (0.688 acres)
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	932 sqft
Deck Area	120 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01158142
Street Address	13354 TRACY ST
City	SPRING HILL
State	FL
Zip	34609-1296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS UNIT 4 LOT 213
Legal Range	18E
Legal Township	23S
Legal Section	03
Legal Subdivision	OAKS (THE) UNIT 4
Legal Lot Number	213
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1029
Census Tract	40909

Owner

Source: Hernando County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13354 TRACY ST, SPRING HILL, FL 34609-1296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Mar 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BLACKHAWK BANK
Oct 29, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Prior Sale	Jan 26, 2015 · Amount on Record
Deed Document Number	201968261
Deed Book / Page	3767 / 1139
Prior Transfer Date	Aug 19, 2013
Prior Transfer Doc	0030930040
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13354 TRACY ST, SPRING HILL, FL 34609-1296
Transaction Type	Mortgage
Record Updated	Mar 6, 2023
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040561945
Date	Sep 16, 2021
Book Page	4056/1945
Instrument	2021070038

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13354 TRACY ST, SPRING HILL, FL 34609-1296
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035651572
Date	Mar 26, 2018
Book Page	3565/1572
Instrument	2018017656

Lender

Name	BLACKHAWK BANK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 29, 2019
Property Address	13354 TRACY ST, SPRING HILL, FL 34609-1296
Document Number	0037671139
Book / Page	003767 / 001139
Instrument Date	Oct 15, 2019
Instrument	68261
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	SOUTHWEST TITLE COMPANY, SOUTHWEST TITLE CO.

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
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	13354 TRACY ST SPRING HILL FL 346091296, SPRING HILL, FL 34609-1296

Mortgage

Document Number	37671141
Date	Oct 29, 2019
Book Page	003767/001141
Instrument	68262

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

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	$3,274.00 (+32.82%) Homeowner's exemption	$213,987 (+5.99%)	$320,548 (-2.16%) Land $47,043 Building $273,505
2023		$201,899 Land $201,899
2022	$2,465.00		$327,636 Land $47,043 Building $280,593

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 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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