14045 Amero Ln, Spring Hill, FL 34609 Property Records

Hernando County property record for 14045 Amero Ln, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2018
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$191,800 (Nov 2018)
Tax Bill	$3,788 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0799-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0799-0120`
Alternative APNs	`00529173` `529173`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,091 sqft
1st Floor Area	1,600 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	91 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00529173
Street Address	14045 AMERO LN
City	SPRING HILL
State	FL
Zip	34609-5402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 799 LOT 12
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	799
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1035
Census Tract	40906

Owner

14045 Amero Ln is owned and occupied by an individual who bought it in November 2018.

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

Owner of Record	Individual Name on File
Mailing Address	14045 AMERO LN, SPRING HILL, FL 34609-5402
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 21, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage BANK OF AMERICA
Oct 24, 2017	Loan Modification, Mortgage STEEL CITY TITLE INC, STEEL CTY TITLE INC
Oct 11, 2017	Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on File
Deed Sale	Nov 21, 2018 · Amount on File
Prior Sale	Oct 11, 2017 · Amount on File
Deed Document Number	201870328
Deed Book / Page	3645 / 345
Prior Transfer Date	Jul 7, 1999
Prior Transfer Doc	1278001921
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	14045 AMERO LN, SPRING HILL, FL 34609-5402
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14045 AMERO LN, SPRING HILL, FL 34609-5402

Mortgage

Document Number	0040350709
Date	Aug 2, 2021
Book Page	4035/709
Instrument	2021057661

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Dec 1, 2048

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 21, 2018
Property Address	14045 AMERO LN, SPRING HILL, FL 34609-5402
Document Number	0036450345
Book / Page	003645 / 000345
Instrument Date	Oct 31, 2018
Instrument	70328
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 2018
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,342.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14045 AMERO LN SPRING HILL FL 34609, SPRING HILL, FL 34609

Mortgage

Document Number	36450346
Date	Nov 21, 2018
Book Page	003645/000346
Instrument	70329

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2048

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	14045 AMERO LN, SPRING HILL, FL 34609-5402
Document Number	0035200188
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1383 ROUTE 30 CLINTON PA 150261743, CLINTON, PA 15026-1743

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 11, 2017
Property Address	14045 AMERO LN, SPRING HILL, FL 34609-5402
Document Number	0035141997
Book / Page	003514 / 001997
Instrument Date	Sep 22, 2017
Instrument	57574
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount on Record
Tax	$66.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9416 CAMDEN FIELD PKWY RIVERVIEW FL 335780519, RIVERVIEW, FL 33578-0519

Tax Assessment & Valuation

The 2025 property tax bill for 14045 Amero Ln was $3,788 with exemptions applied.

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	$3,788.00 Homeowner's exemption Disabled Person's exemption	$261,341 Land $37,500 Building $223,841	$261,341 Land $37,500 Building $223,841
2023		$206,808 (-14.86%) Land $206,808
2022	$3,481.00	$242,900 Land $25,800 Building $217,100	$260,524 Land $32,000 Building $228,524

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 14045 Amero Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.

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 File 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.

Wildfire

Wildfire risk around 14045 Amero Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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.

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 278 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 / 1,000

May also be available: Verizon.

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