Hernando County property record for 13474 Cooper Rd, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,134 sqft · built 1987 |
| Lot Size | 1.35 acres (58,911 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Sep 2020) |
| Tax Bill | $3,327 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Sep 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5110-0695-0050 |
| Primary APN | R32-323-17-5110-0695-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,134 sqft Living Area |
| Gross Area | 2,766 sqft |
| 1st Floor Area | 2,134 sqft |
| Basement Area | 338 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 58,911 sqft (1.35 acres) |
| Lot Dimensions | 337 ft deep x 178 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 880 sqft |
| Patio Area | 92 sqft |
| Utility Building | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00594609 |
|---|---|
| Street Address | 13474 COOPER RD |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-5834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 11 BLK 695 LOT 5 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 11 |
| Legal Block | 695 |
| Legal Lot Number | 5 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 40913 |
Source: Hernando County records, as of February 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU |
| Sep 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 14, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Mar 27, 2019 | Warranty Deed, Transfer HOME/LAND TITLE INC |
| Dec 11, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2020 · Amount on Record |
| Deed Sale | Sep 3, 2020 · Amount on Record |
| Prior Sale | Mar 27, 2019 · Amount on Record |
| Deed Document Number | 202054256 |
| Deed Book / Page | 3883 / 1215 |
| Prior Transfer Date | May 14, 2019 |
| Prior Transfer Doc | 0037021745 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0046580066 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 4658/66 |
| Instrument | 2026003043 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 15, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 3, 2020 |
| Property Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Document Number | 0038831215 |
| Book / Page | 3883 / 1215 |
| Map Reference | MB 8 PG 67-73 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 2020054256 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | CAPSTONE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1961 HIDDEN SPRINGS DR, 1961, NEW PORT RICHEY, FL 34655-2347 |
| Name | Verified Name |
|---|---|
| Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Document Number | 38831217 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 3883/1217 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 14, 2019 |
| Property Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Document Number | 0037021745 |
| Book / Page | 003702 / 001745 |
| Instrument Date | May 14, 2019 |
| Instrument | 29181 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1961 HIDDEN SPRINGS DR TRINITY FL 346552347, TRINITY, FL 34655-2347 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 27, 2019 |
| Property Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Document Number | 0036840616 |
| Book / Page | 003684 / 000616 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 18270 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2019 |
| Title Company | HOME/LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,470.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13474 COOPER RD SPRING HILL FL 346095834, SPRING HILL, FL 34609-5834 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Dec 11, 2018 |
| Property Address | 13474 COOPER RD, SPRING HILL, FL 34609-5834 |
| Document Number | 0036501761 |
| Book / Page | 003650 / 001761 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 73936 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $903.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4049 CHESTERFIELD DR SPRING HILL FL 346090811, SPRING HILL, FL 34609-0811 |
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 | $3,327.00 (+27.47%) Homeowner's exemption | $224,097 (+5.99%) | $375,520 (+0.91%) Land $129,604 Building $245,916 |
| 2023 | $211,438 (+3%) Land $211,438 | ||
| 2022 | $2,610.00 Homeowner's exemption | $205,280 | $372,119 Land $117,822 Building $254,297 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 22 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 159 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 |
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