13385 Tracy St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13385 Tracy St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2021
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$229,920 (Apr 2021)
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Mar 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R03-223-18-2814-0000-2070`

Property Details

APN / Parcel Number

Primary APN	`R03-223-18-2814-0000-2070`
Alternative APNs	`01158080` `1158080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Parking Spaces	2 Parking Spaces
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01158080
Street Address	13385 TRACY ST
City	SPRING HILL
State	FL
Zip	34609-1297
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS UNIT 4 LOT 207
Legal Range	18E
Legal Township	23S
Legal Section	03
Legal Subdivision	OAKS (THE) UNIT 4
Legal Lot Number	207
Legal Unit	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1000
Census Tract	40909

Owner

13385 Tracy St is owned and occupied by an individual who bought it in April 2021.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
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
Apr 23, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Mar 18, 2020	Loan Modification, Mortgage STEEL CITY TITLE INC, STEEL CTY TITLE INC
Jan 15, 2020	Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC
Nov 6, 2019	Warranty Deed, Transfer NOT AVAILABLE
Nov 4, 2019	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on File
Deed Sale	Apr 23, 2021 · Amount on File
Prior Sale	Jan 15, 2020 · Amount on File
Deed Document Number	2021029121
Deed Book / Page	3986 / 1258
Record Updated	Jun 8, 2026

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 23, 2021
Property Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
Document Number	0039861258
Book / Page	3986 / 1258
Map Reference	MB 22 PG 44&45
Instrument Date	Mar 29, 2021
Instrument	2021029121
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 28, 2022
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9416 CAMDEN FIELD PKWY, 9416, RIVERVIEW, FL 33578-0519

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13385 TRACY ST, SPRING HILL, FL 34609-1297

Mortgage

Document Number	0039861259
Date	Apr 23, 2021
Instrument	3986/1259

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
Document Number	0038200655
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1383 ROUTE 30 CLINTON PA 150261743, CLINTON, PA 15026-1743
Investor	Possibly a Property Investor

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 15, 2020
Property Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
Document Number	0037960268
Book / Page	003796 / 000268
Instrument Date	Dec 17, 2019
Instrument	3130
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount on Record
Tax	$294.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9416 CAMDEN FIELD PKWY RIVERVIEW FL 335780519, RIVERVIEW, FL 33578-0519

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 6, 2019
Property Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
Document Number	0037701039
Book / Page	003770 / 001039
Instrument Date	Nov 4, 2019
Instrument	69957
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	18865 STATE ROAD 54 #198 LAND O LAKES FL 34638, 198, LAND O LAKES, FL 34638

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 4, 2019
Property Address	13385 TRACY ST, SPRING HILL, FL 34609-1297
Document Number	0037691177
Book / Page	003769 / 001177
Instrument Date	Oct 23, 2019
Instrument	69463
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$140.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	92 SW 3RD ST #1608 MIAMI FL 331303078, 1608, MIAMI, FL 33130-3078
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 13385 Tracy St was $3,576 with an additional exemption.

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	$3,576.00 Additional exemption filed	$289,957 Land $44,648 Building $245,309	$289,957 Land $44,648 Building $245,309
2023		$277,833 Land $30,391 Building $247,442
2022	$3,618.00		$294,955 Land $44,648 Building $250,307

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

Flood

FEMA maps place 13385 Tracy St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 13385 Tracy St is low, with a 0.02% annual chance of 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 121 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
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Tillman Fiber.

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