13396 Tracy St, Spring Hill, FL 34609 Property Records

Hernando County property record for 13396 Tracy St, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,682 sqft · built 2001
Lot Size	0.575 acres (25,054 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,668 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R03-223-18-2814-0000-2030`

Property Details

APN / Parcel Number

Primary APN	`R03-223-18-2814-0000-2030`
Alternative APNs	`01158044` `1158044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,682 sqft Living Area
Gross Area	3,558 sqft
1st Floor Area	2,682 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,054 sqft (0.575 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,273 sqft
Deck Area	225 sqft
Patio Area	533 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01158044
Street Address	13396 TRACY ST
City	SPRING HILL
State	FL
Zip	34609-1200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS UNIT 4 LOT 203
Legal Range	18E
Legal Township	23S
Legal Section	03
Legal Subdivision	OAKS (THE) UNIT 4
Legal Lot Number	203
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1004
Census Tract	40909

Owner

13396 Tracy St is owned and occupied by two individuals who acquired it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	13396 TRACY ST, SPRING HILL, FL 34609-1200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 4, 2023	Intrafamily Transfer, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
May 5, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Jun 12, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2023
Deed Sale	Apr 4, 2023
Prior Sale	Jun 12, 2019 · Amount on File
Deed Document Number	202318471
Deed Book / Page	4281 / 1503
Prior Transfer Date	Mar 16, 2023
Prior Transfer Doc	0042811503
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Apr 4, 2023
Property Address	13396 TRACY ST, SPRING HILL, FL 34609-1200
Document Number	0042811503
Book / Page	4281 / 1503
Map Reference	MB 22 PG 44&45
Instrument Date	Mar 16, 2023
Instrument	2023018471
Transaction Type	Transfer
Record Updated	May 15, 2023
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13396 TRACY ST, SPRING HILL, FL 34609-1200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13396 TRACY ST, SPRING HILL, FL 34609-1200

Mortgage

Document Number	0042811505
Date	Apr 4, 2023
Instrument	4281/1505

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13396 TRACY ST, SPRING HILL, FL 34609-1200
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CHELSEA TITLE NATURE COAST, CHELSEA TTL OF NATURE COAST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13396 TRACY ST, SPRING HILL, FL 34609-1200

Mortgage

Document Number	0039921799
Date	May 5, 2021
Book Page	3992/1799
Instrument	2021032752

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60067

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 12, 2019
Property Address	13396 TRACY ST, SPRING HILL, FL 34609-1200
Document Number	0037131939
Book / Page	3713 / 1939
Map Reference	MB 22 PG 44&45
Instrument Date	Jun 7, 2019
Instrument	2019036084
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,186.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3983 BRAEMERE DR, 3983, SPRING HILL, FL 34609-0679

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13396 TRACY ST, SPRING HILL, FL 34609-1200

Mortgage

Document Number	0037131941
Date	Jun 12, 2019
Instrument	3713/1941

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 13396 Tracy St was $4,668.

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	$4,668.00	$311,597	$465,727 Land $46,350 Building $419,377
2023		$293,995 Land $293,995
2022	$3,864.00		$476,877 Land $46,350 Building $430,527

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

Flood

FEMA maps place 13396 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 13396 Tracy St is low, with less than 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 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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