Hernando County property record for 13445 Banner Rd, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,138 sqft · built 1987 |
| Lot Size | 0.286 acres (12,463 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Sep 2026) |
| Tax Bill | $4,951 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage May 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5120-0761-0050 |
| Primary APN | R32-323-17-5120-0761-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,138 sqft Living Area |
| Gross Area | 3,102 sqft |
| 1st Floor Area | 2,138 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Block/Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,463 sqft (0.286 acres) |
| Lot Dimensions | 142 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,312 sqft |
| Deck Area | 90 sqft |
| Patio Area | 378 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00515838 |
|---|---|
| Street Address | 13445 BANNER RD |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-6021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 12 BLK 761 LOT 5 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 12 |
| Legal Block | 761 |
| Legal Lot Number | 5 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 40906 |
Source: Hernando County records, as of October 19, 2026
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 | Individual Name on Record |
|---|---|
| Mailing Address | 13445 BANNER RD, SPRING HILL, FL 34609-6021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 1, 2026 | Warranty Deed, Transfer · FHA Mortgage HOME MORTGAGE CORPORATION |
| May 5, 2026 | Warranty Deed, Transfer NIRVANA TITLE |
| Apr 16, 2024 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on Record |
| Deed Sale | Sep 1, 2026 · Amount on Record |
| Prior Sale | May 5, 2026 · Amount on Record |
| Deed Document Number | 202658998 |
| Deed Book / Page | 4754 / 873 |
| Prior Transfer Date | Jun 22, 2006 |
| Prior Transfer Doc | 0000056722 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 1, 2026 |
| Property Address | 13445 BANNER RD, SPRING HILL, FL 34609-6021 |
| Document Number | 0000058998 |
| Book / Page | 4754 / 873 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202658998 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | SOUTHERN TITLE, SOUTHERN SECURITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282,800.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13445 BANNER RD, SPRING HILL, FL 34609-6021 |
| Document Number | 0000058999, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 202658999 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 5, 2026 |
| Property Address | 13445 BANNER RD, SPRING HILL, FL 34609-6021 |
| Document Number | 0000029563 |
| Book / Page | 4703 / 709 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.29563 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | NIRVANA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $191,832.33 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2492 RUNNING OAK CT, SPRING HILL, FL 34608-4474 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 16, 2024 |
| Property Address | 13445 BANNER RD, SPRING HILL, FL 34609-6021 |
| Document Number | 0044091449 |
| Book / Page | 4409 / 1449 |
| Map Reference | MB 8 PG 74 |
| Instrument Date | Mar 15, 2024 |
| Instrument | 2024020644 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,513.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13455 BANNER RD, SPRING HILL, FL 34609-6021 |
| Name | Verified Name |
|---|---|
| Address | 13455 BANNER RD, SPRING HILL, FL 34609-6021 |
| Document Number | 0044091451 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | 4409/1451 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,951.00 (+394.11%) | $298,417 (+169.92%) Land $49,852 Building $248,565 | $298,417 (+4.04%) Land $49,852 Building $248,565 |
| 2023 | $110,559 Land $110,559 | ||
| 2022 | $1,002.00 | $286,830 Land $44,244 Building $242,586 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2011–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 260 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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