3130 Cloudcroft Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 3130 Cloudcroft Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,287 sqft · built 1981
Lot Size	0.324 acres (14,094 sqft)
Owner	Individual Name on Record
Last Sale	$86,600 (Jan 2017)
Tax Bill	$2,470 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0824-0090`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0824-0090`
Alternative APNs	`00534201` `534201`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,287 sqft Living Area
Gross Area	1,810 sqft
1st Floor Area	1,287 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,094 sqft (0.324 acres)
Lot Dimensions	140 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Porch
Porch Area	224 sqft
Patio Area	25 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00534201
Street Address	3130 CLOUDCROFT AVE
City	SPRING HILL
State	FL
Zip	34609-4522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 824 LOT 9
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	824
Legal Lot Number	9
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1048
Census Tract	40908

Owner

Source: Hernando County records, as of August 10, 2026

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
Mailing Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Mar 20, 2019	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE EQUITY PTRS
Jan 3, 2017	Warranty Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2017 · Amount on Record
Deed Sale	Jan 3, 2017 · Amount on Record
Prior Sale	Aug 1, 2016 · Amount on Record
Deed Document Number	2017122
Deed Book / Page	3427 / 1185
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522

Mortgage

Document Number	0046070457
Date	Sep 8, 2025
Book Page	4607/457
Instrument	2025062580

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Investor	Possibly a Property Investor

Mortgage

Document Number	0043160159
Date	Jun 29, 2023
Book Page	4316/159
Instrument	2023041075

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Apr 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Document Number	0036870166
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 CLOUDCROFT AVE SPRING HILL FL 346094522, SPRING HILL, FL 34609-4522

Mortgage

Document Number	0036870166
Date	Apr 2, 2019
Book Page	003687/000166
Instrument	19899

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 3, 2017
Property Address	3130 CLOUDCROFT AVE, SPRING HILL, FL 34609-4522
Document Number	0034271185
Book / Page	003427 / 001185
Instrument Date	Dec 28, 2016
Instrument	122
Transaction Type	Transfer
Record Updated	Feb 2, 2017
Title Company	SOUTHEAST TITLE COMPANY, SOUTHERN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 CLOUDCROFT AVE SPRING HILL FL 346094522, SPRING HILL, FL 34609-4522

Mortgage

Document Number	34271187,
Date	Jan 3, 2017
Book Page	003427/001187
Instrument	123

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	FLORAL CITY, FL 34436

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 2, 2022

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	$2,470.00 (+181.96%) Homeowner's exemption	$103,110 (+5.99%)	$180,622 (+2.11%) Land $52,853 Building $127,769
2023		$97,285 (+3%) Land $97,285
2022	$876.00 Homeowner's exemption	$94,451	$176,892 Land $45,101 Building $131,791

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 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 362 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 / 35

May also be available: Verizon.

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