Hernando County property record for 13446 Monterey St, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,758 sqft · built 1987 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,215 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5120-0775-0090 |
| Primary APN | R32-323-17-5120-0775-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,758 sqft Living Area |
| 1st Floor Area | 1,758 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 1,632 sqft |
| Deck Area | 135 sqft |
| Patio Area | 486 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00517756 |
|---|---|
| Street Address | 13446 MONTEREY ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-6455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 12 BLK 775 LOT 9 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 34 |
| Legal Subdivision | SPRING HILL UNIT 12 |
| Legal Block | 775 |
| Legal Lot Number | 9 |
| Legal Unit | 12 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 40906 |
Source: Hernando County records, as of December 10, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Jul 8, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 18, 2018 | Deed of Trust, Mortgage PRIME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2017 |
| Deed Sale | Sep 1, 2017 |
| Deed Document Number | 0035051462 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 8, 2026 |
| Property Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Document Number | 0000023255 |
| Book / Page | 4693 / 31 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202623255 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Document Number | 0000023255, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 4693/31 |
| Instrument | 202623255 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Document Number | 0040231269 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 4023/1269 |
| Instrument | 2021051014 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 13446 MONTEREY ST, SPRING HILL, FL 34609-6455 |
| Document Number | 0035990872 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 13446 MONTEREY ST SPRING HILL FL 346096455, SPRING HILL, FL 34609-6455 |
| Document Number | 0035990872 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 003599/000872 |
| Instrument | 40362 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2048 |
Source: Hernando County assessment roll, as of October 31, 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 | $1,215.00 (+2.62%) Additional exemption filed | $124,572 (+5.99%) | $235,761 (%) Land $42,750 Building $193,011 |
| 2023 | $117,535 Land $117,535 | ||
| 2022 | $1,184.00 | $235,762 Land $37,941 Building $197,821 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 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.
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 | Direct burnable vegetation |
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 398 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 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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