13810 Cooper Rd, Spring Hill, FL 34609 Property Records

Hernando County property record for 13810 Cooper Rd, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,729 sqft · built 1986
Lot Size	1.01 acres (44,024 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Jul 2019)
Tax Bill	$2,755 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5120-0723-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5120-0723-0030`
Alternative APNs	`00515419` `515419`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,729 sqft Living Area
Gross Area	2,769 sqft
1st Floor Area	1,729 sqft
Basement Area	241 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,024 sqft (1.01 acres)
Lot Dimensions	254 ft deep x 173 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Slab
Porch Area	1,612 sqft
Patio Area	27 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00515419
Street Address	13810 COOPER RD
City	SPRING HILL
State	FL
Zip	34609-6111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 12 BLK 723 LOT 3 ORB 1132 PGS 265-67
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 12
Legal Block	723
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	4
Census Block	4019
Census Tract	40906

Owner

Source: Hernando County records, as of August 12, 2026

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	13810 COOPER RD, SPRING HILL, FL 34609-6111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 22, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
Nov 18, 2020	Loan Modification, Mortgage · FHA Mortgage PHH MTG SVCS
Jul 2, 2019	Warranty Deed, Transfer CHELSEA TITLE/THE NATURE COAST
Aug 21, 2018	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jan 25, 2017	Warranty Deed, Transfer WEST COAST FLORIDA PROPS R LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Aug 21, 2018 · Amount on Record
Deed Document Number	201941276
Deed Book / Page	3723 / 1096
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jun 23, 2026
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Document Number	0000042522
Book / Page	4726 / 493
Instrument Date	Apr 16, 2026
Instrument	202642522
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13810 COOPER RD, SPRING HILL, FL 34609-6111

Mortgage

Document Number	0000042522,
Date	Jun 23, 2026
Book Page	4726/493
Instrument	202642522

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Apr 1, 2066

Interest

Rate	6.22%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Transaction Type	Mortgage
Record Updated	Mar 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13810 COOPER RD, SPRING HILL, FL 34609-6111

Mortgage

Document Number	0042690063
Date	Feb 22, 2023
Book Page	4269/63
Instrument	2023010199

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33407

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2052

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Document Number	0039290666
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2021
Title Company	PROPERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13810 COOPER RD

Mortgage

Document Number	0039290666
Date	Dec 22, 2020
Book Page	003929/000666
Instrument	80300

Lender

Name	PHH MTG SVCS
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 2, 2019
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Document Number	0037231096
Book / Page	003723 / 001096
Instrument Date	Jun 27, 2019
Instrument	41276
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	CHELSEA TITLE/THE NATURE COAST

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13371 RUDI LOOP SPRING HILL FL 346097975, SPRING HILL, FL 34609-7975

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 21, 2018
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Document Number	0036150660
Book / Page	3615 / 0660
Map Reference	MB8 PG74-83
Instrument Date	Jul 27, 2018
Instrument	2018050661
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	COURTLAND TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,679.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13454 TWIN DOLPHIN DR, 13454, BROOKSVILLE, FL 34609-8852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13810 COOPER RD, SPRING HILL, FL 34609-6111

Mortgage

Document Number	2018050662
Date	Aug 21, 2018
Instrument	2018050662

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 25, 2017
Property Address	13810 COOPER RD, SPRING HILL, FL 34609-6111
Document Number	0034331242
Book / Page	003433 / 001242
Instrument Date	Jan 12, 2017
Instrument	4442
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	COURTLAND TITLE SERVICES INC, COURTLAND TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13454 TWIN DOLPHIN DR BROOKSVILLE FL 346098852, BROOKSVILLE, FL 34609-8852

Mortgage

Document Number	34331244
Date	Jan 25, 2017
Book Page	003433/001244
Instrument	4444

Lender

Name	WEST COAST FLORIDA PROPS R LLC
Address	905 E MARTIN LUTHER KING JR DR # 219, TARPON SPRINGS, FL 34689-4827

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	12%

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	$2,755.00 (+37.13%) Homeowner's exemption	$183,995 (+7.05%)	$293,248 (+4.35%) Land $96,853 Building $196,395
2023		$171,871 Land $3,382 Building $168,489
2022	$2,009.00		$281,022 Land $88,048 Building $192,974

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 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 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 95% of the US · lower than 95% 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 253 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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