2228 Laredo Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2228 Laredo Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1984
Lot Size	0.356 acres (15,512 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Aug 2014)
Tax Bill	$691 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1404-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1404-0120`
Alternative APNs	`00307448` `307448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,533 sqft Living Area
Gross Area	2,428 sqft
1st Floor Area	1,533 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,512 sqft (0.356 acres)
Lot Dimensions	125 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Screened Porch
Porch Area	1,357 sqft
Deck Area	84 sqft
Patio Area	528 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00307448
Street Address	2228 LAREDO AVE
City	SPRING HILL
State	FL
Zip	34608-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1404 LOT 12 ORB 325 PG 385
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1404
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1011
Census Tract	41103

Owner

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

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	2228 LAREDO AVE, SPRING HILL, FL 34608-4627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Nov 16, 2017	Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER
Nov 16, 2017	Deed of Trust, Mortgage · FHA Mortgage REVERSE MORTGAGES.COM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2014 · Amount on Record
Deed Sale	Aug 19, 2014 · Amount on Record
Prior Sale	Apr 3, 2000 · Amount on Record
Deed Document Number	201442947
Deed Book / Page	3119 / 955
Last Transfer Date	Nov 30, 2015
Transfer Doc	0033130177
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2228 LAREDO AVE, SPRING HILL, FL 34608-4627
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 LAREDO AVE, SPRING HILL, FL 34608-4627

Mortgage

Document Number	0041240356
Date	Feb 7, 2022
Book Page	4124/356
Instrument	2022010117

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Feb 18, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.31%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.31%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2228 LAREDO AVE, SPRING HILL, FL 34608-4627
Document Number	0035281883
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2228 LAREDO AVE SPRING HILL FL 346084627, SPRING HILL, FL 34608-4627

Mortgage

Document Number	0035281883
Date	Nov 28, 2017
Book Page	003528/001883
Instrument	66704

Lender

Name	FEDERAL HOUSING COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Amount	Amount Recorded
Term	972 Months
Due	Nov 27, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.75%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2228 LAREDO AVE, SPRING HILL, FL 34608-4627
Document Number	0035281867
Instrument Date	Nov 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2228 LAREDO AVE SPRING HILL FL 346084627, SPRING HILL, FL 34608-4627

Mortgage

Document Number	0035281867
Date	Nov 28, 2017
Book Page	003528/001867
Instrument	66703

Lender

Name	REVERSE MORTGAGES.COM
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	972 Months
Due	Nov 27, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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 (-44.18%) Disabled Person's exemption	$113,453 (+7.11%)	$256,482 (+8.68%) Land $53,051 Building $203,431
2024	$1,238.00 (+148.1%)
2023		$105,926 (+3%) Land $105,926
2022	$499.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$102,841	$235,990 Land $45,450 Building $190,540

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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	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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