265 Clearfield Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 265 Clearfield Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,656 sqft · built 1989
Lot Size	0.23 acres (10,000 sqft)
Owner	Company Name on File
Last Sale	$285,000 (Jul 2022)
Tax Bill	$3,753 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5040-0176-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5040-0176-0200`
Alternative APNs	`00238558` `238558`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	2,439 sqft
1st Floor Area	1,656 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2002
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	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	300 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00238558
Street Address	265 CLEARFIELD AVE
City	SPRING HILL
State	FL
Zip	34606-6313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 4 BLK 176 LOT 20
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 4
Legal Block	176
Legal Lot Number	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2018
Census Tract	41402

Owner

Source: Hernando County assessment roll, 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	Company Name on File
Mailing Address	PO BOX 7608, WINTER HAVEN, FL 33883-7608
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Oct 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Jun 1, 2018	Loan Modification, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Oct 7, 2021 · Amount on Record
Deed Document Number	202254686
Deed Book / Page	4197 / 1211
Prior Transfer Date	Aug 15, 2012
Prior Transfer Doc	0029310791
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 18, 2022
Property Address	265 CLEARFIELD AVE, SPRING HILL, FL 34606-6313
Document Number	0041971211
Book / Page	4197 / 1211
Map Reference	MB 7 PG 87-95
Instrument Date	Jul 15, 2022
Instrument	2022054686
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	FRONTIER TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2372 WATERFALL DR, 2372, SPRING HILL, FL 34608-4645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 CLEARFIELD AVE, SPRING HILL, FL 34606-6313

Mortgage

Document Number	0041971213
Date	Jul 18, 2022
Instrument	4197/1213

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 7, 2021
Property Address	265 CLEARFIELD AVE, SPRING HILL, FL 34606-6313
Document Number	0040670362
Book / Page	4067 / 362
Map Reference	MB 7 PG 87-95
Instrument Date	Sep 14, 2021
Instrument	2021075681
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,491.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3215 CODY ST, 3215, NEW PORT RICHEY, FL 34655-3418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 CLEARFIELD AVE, SPRING HILL, FL 34606-6313

Mortgage

Document Number	4067364
Date	Oct 7, 2021
Instrument	4067/364

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	265 CLEARFIELD AVE, SPRING HILL, FL 34606-6313
Document Number	0035911816
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	265 CLEARFIELD AVE SPRING HILL FL 346066313, SPRING HILL, FL 34606-6313

Mortgage

Document Number	0035911816
Date	Jun 7, 2018
Book Page	003591/001816
Instrument	35216

Lender

Name	JPMORGAN CHASE BK NA
Address	MONROE, LA 71203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

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	$3,753.00 (+20.17%) Homeowner's exemption	$253,908 (+3.54%) Land $28,975 Building $224,933	$253,908 (+3.54%) Land $28,975 Building $224,933
2023		$245,238 (+15.63%) Land $29,410 Building $215,828
2022	$3,123.00	$212,080 Land $20,045 Building $192,035	$245,238 Land $26,600 Building $218,638

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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 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 99.1% of the US · lower than 98.7% 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 336 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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