2102 Laredo Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2102 Laredo Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,807 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$312,500 (May 2024)
Tax Bill	$1,138 (2025)
Deeds & Mortgages	Mar 2022 Transfer Mar 2017 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1406-0250`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1406-0250`
Alternative APNs	`00427229` `427229`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,807 sqft Living Area
1st Floor Area	1,807 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	135 ft deep x 68 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	418 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00427229
Street Address	2102 LAREDO AVE
City	SPRING HILL
State	FL
Zip	34608-5367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1406 LOT 25
Legal Range	17E
Legal Township	23S
Legal Section	26
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1406
Legal Lot Number	25
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1001
Census Tract	41104

Owner

Source: Hernando County records, as of December 10, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
May 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 7, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 4, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
May 14, 2020	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Mar 4, 2022
Deed Document Number	2024024990
Deed Book / Page	4417 / 445
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Mar 4, 2022
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Document Number	0041360912
Book / Page	4136 / 912
Map Reference	MB 9 PG 81
Instrument Date	Mar 2, 2022
Instrument	2022017182
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LAREDO AVE, BROOKSVILLE, FL 34608-5367

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034521732
Date	Mar 28, 2017
Book Page	3452/1732
Instrument	2017017293

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035831132
Date	May 15, 2018
Book Page	3583/1132
Instrument	2018029692

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2038

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037420420
Date	Aug 21, 2019
Book Page	3742/0420
Instrument	2019052464

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037711068
Date	Nov 7, 2019
Book Page	3771/1068
Instrument	2019070677

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367

Mortgage

Document Number	0039150917
Date	Nov 20, 2020
Book Page	3915/917
Instrument	2020073098

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Feb 4, 2021
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Document Number	0039481212
Book / Page	3948 / 1212
Map Reference	MB 9 PG 81
Instrument Date	Feb 3, 2021
Instrument	2021007776
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 14, 2020
Property Address	2102 LAREDO AVE, SPRING HILL, FL 34608-5367
Document Number	0038400542
Book / Page	003840 / 000542
Instrument Date	May 14, 2020
Instrument	29427
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$1,253.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2102 LAREDO AVE SPRING HILL FL 346085367, SPRING HILL, FL 34608-5367

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$1,138.00 (-27%) Additional exemption filed	$124,210 (-12.68%)	$279,894 (+5.01%) Land $48,735 Building $231,159
2023		$142,254 (+3%) Land $142,254
2022	$1,559.00 Homeowner's exemption	$138,111	$266,545 Land $41,681 Building $224,864

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 374 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: Hotwire Communications, Verizon.

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