2003 Laredo Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2003 Laredo Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,643 sqft · built 1988
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jul 2024)
Tax Bill	$691 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5070-0326-0100`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5070-0326-0100`
Alternative APNs	`00477601` `477601`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,643 sqft Living Area
Gross Area	2,376 sqft
1st Floor Area	1,643 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1997
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation 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	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	1,258 sqft
Deck Area	196 sqft
Patio Area	180 sqft
Utility Building	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00477601
Street Address	2003 LAREDO AVE
City	SPRING HILL
State	FL
Zip	34608-5543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 7 BLK 326 LOT 10 ORB 300 PG 509
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 7
Legal Block	326
Legal Lot Number	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1015
Census Tract	41104

Owner

Source: Hernando County records, as of October 13, 2026

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	2003 LAREDO AVE, SPRING HILL, FL 34608-5543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Mar 13, 2024	Warranty Deed, Transfer · Balloon Mortgage BLACKRIDGE CAPITAL LLC
Feb 22, 2024	Warranty Deed, Transfer OCEAN SANDS TITLE SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Prior Sale	Mar 13, 2024 · Amount on Record
Deed Document Number	202443592
Deed Book / Page	4447 / 470
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	May 26, 2026
Property Address	2003 LAREDO AVE, SPRING HILL, FL 34608-5543
Document Number	0000035151
Book / Page	4713 / 789
Instrument Date	May 15, 2026
Instrument	202635151
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 LAREDO AVE, SPRING HILL, FL 34608-5543

Mortgage

Document Number	0000035151,
Date	May 26, 2026
Book Page	4713/789
Instrument	202635151

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 13, 2024
Property Address	2003 LAREDO AVE, SPRING HILL, FL 34608-5543
Document Number	0044020078
Book / Page	4402 / 78
Map Reference	MB 8 PG 11
Instrument Date	Mar 8, 2024
Instrument	2024015761
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11534 SPRING HILL DR, SPRING HILL, FL 34609-4755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2003 LAREDO AVE, SPRING HILL, FL 34608-5543

Mortgage

Document Number	0000440280
Date	Mar 13, 2024
Instrument	4402/80

Lender

Name	BLACKRIDGE CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 22, 2024
Property Address	2003 LAREDO AVE, SPRING HILL, FL 34608-5543
Document Number	0043940520
Book / Page	4394 / 520
Map Reference	MB 8 PG 11
Instrument Date	Feb 16, 2024
Instrument	2024010738
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	553 YACHT HARBOR DR, LAS VEGAS, NV 89145-5969

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11534 SPRING HILL DR, SPRING HILL, FL 34609-4755

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	$691.00 (-85.16%)	$272,384 (+185.54%) Land $38,000 Building $234,384	$272,384 (+5.12%) Land $38,000 Building $234,384
2024	$4,657.00 (+449.82%)
2023		$95,391 (+3%) Land $95,391
2022	$847.00 Homeowner's exemption	$92,613	$259,109 Land $30,000 Building $229,109

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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

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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