1451 Laredo Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 1451 Laredo Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 2006
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$356,000 (May 2026)
Tax Bill	$5,028 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5070-0329-0180`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5070-0329-0180`
Alternative APNs	`00410497` `410497`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,704 sqft Living Area
Gross Area	2,461 sqft
1st Floor Area	1,704 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Concrete Block
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	455 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,268 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00410497
Street Address	1451 LAREDO AVE
City	SPRING HILL
State	FL
Zip	34608-5534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 7 BLK 329 LOT 18
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 7
Legal Block	329
Legal Lot Number	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1023
Census Tract	41104

Owner

1451 Laredo Ave is owned and occupied by an individual who bought it in May 2026.

Source: Hernando County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 13, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 13, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2021	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Feb 9, 2021 · Amount on File
Deed Document Number	202632554
Deed Book / Page	4708 / 1924
Prior Transfer Date	Nov 28, 2003
Prior Transfer Doc	1771000630
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 13, 2026
Property Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534
Document Number	0047081924
Book / Page	4708 / 1924
Instrument Date	May 11, 2026
Instrument	202632554
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TITLE AGENCY, IYK TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251,692.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534

Mortgage

Document Number	0000032555,
Date	May 13, 2026
Instrument	202632555

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 13, 2026
Property Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534
Document Number	0000032554
Book / Page	4708 / 1924
Instrument Date	May 11, 2026
Instrument	202632554
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	CITY TITLE AGENCY, IYK TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251,692.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534

Mortgage

Document Number	0000032555,
Date	May 13, 2026
Instrument	202632555

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 9, 2021
Property Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534
Document Number	0039500316
Book / Page	3950 / 316
Map Reference	MB 8 PG 11
Instrument Date	Feb 5, 2021
Instrument	2021008539
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	RTB LAW & TITLE PA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,669.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 SHARP ST, 40, DARTMOUTH, MA 02747-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1451 LAREDO AVE, SPRING HILL, FL 34608-5534

Mortgage

Document Number	3950318
Date	Feb 9, 2021
Instrument	3950/318

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1451 Laredo Ave was $5,028 with a homeowner's exemption.

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	$5,028.00 Homeowner's exemption	$343,192 Land $38,000 Building $305,192	$343,192 Land $38,000 Building $305,192
2023		$327,582 (+5.48%) Land $56,662 Building $270,920
2022	$4,374.00	$310,557 Land $27,000 Building $283,557	$327,582 Land $30,000 Building $297,582

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

Flood

FEMA maps place 1451 Laredo Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 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

Wildfire risk around 1451 Laredo Ave 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 394 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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