13408 Cooper Rd, Spring Hill, FL 34609 Property Records

Hernando County property record for 13408 Cooper Rd, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,441 sqft · built 1987
Lot Size	1.26 acres (54,863 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Apr 2020)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5110-0694-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5110-0694-0080`
Alternative APNs	`00594547` `594547`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,441 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	2,441 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,863 sqft (1.26 acres)
Lot Dimensions	360 ft deep x 133 ft wide
Garage Type	Attached
Garage Area	543 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,375 sqft
Deck Area	154 sqft
Patio Area	60 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00594547
Street Address	13408 COOPER RD
City	SPRING HILL
State	FL
Zip	34609-5832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 11 BLK 694 LOT 8
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 11
Legal Block	694
Legal Lot Number	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1032
Census Tract	40912

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	13408 COOPER RD, SPRING HILL, FL 34609-5832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage BRANNEN BANK
Apr 13, 2020	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Aug 7, 2017	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Prior Sale	Aug 7, 2017 · Amount on Record
Deed Document Number	202023275
Deed Book / Page	3829 / 276
Prior Transfer Date	Aug 27, 2007
Prior Transfer Doc	0025171523
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13408 COOPER RD, SPRING HILL, FL 34609-5832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035151294
Date	Oct 12, 2017
Book Page	3515/1294
Instrument	2017058024

Lender

Name	BRANNEN BANK
Type	Bank
Address	INVERNESS, FL 34451

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2047

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 13, 2020
Property Address	13408 COOPER RD, SPRING HILL, FL 34609-5832
Document Number	0038290276
Book / Page	3829 / 276
Map Reference	MB 8 PG 67
Instrument Date	Apr 9, 2020
Instrument	2020023275
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	GULF COAST TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11380 KNUCKEY RD, 11380, WEEKI WACHEE, FL 34614-1305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13408 COOPER RD, SPRING HILL, FL 34609-5832

Mortgage

Document Number	38290277
Date	Apr 13, 2020
Instrument	3829/0277

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 7, 2017
Property Address	13408 COOPER RD, SPRING HILL, FL 34609-5832
Document Number	0034951287
Book / Page	003495 / 001287
Instrument Date	Aug 2, 2017
Instrument	45167
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,487.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19071 FORT DADE AVE BROOKSVILLE FL 346012437, BROOKSVILLE, FL 34601-2437

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	$3,918.00 (+22.36%) Homeowner's exemption	$265,446 (+5.99%)	$430,841 (+0.53%) Land $114,664 Building $316,177
2023		$250,451 (+3%) Land $250,451
2022	$3,202.00 Homeowner's exemption	$243,156	$428,553 Land $104,240 Building $324,313

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 172 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 / 35

May also be available: T-Mobile.

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