6699 Oak Cluster Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 6699 Oak Cluster Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,258 sqft · built 1988
Lot Size	0.153 acres (6,679 sqft)
Owner	Individual Name on File
Last Sale	$88,000 (Jan 2017)
Tax Bill	$2,072 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R21-223-17-6122-0000-0430`

Property Details

APN / Parcel Number

Primary APN	`R21-223-17-6122-0000-0430`
Alternative APNs	`01128906` `1128906`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	1,882 sqft
1st Floor Area	1,258 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,679 sqft (0.153 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	206 sqft
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01128906
Street Address	6699 OAK CLUSTER CIR
City	SPRING HILL
State	FL
Zip	34606-3419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBER PINES TR 12 UNIT 2 LOT 43 ORB 1257 PGS 605 & 849
Legal Range	17E
Legal Township	23S
Legal Section	21
Legal Subdivision	TIMBER PINES TR 12 UN 2
Legal Tract	12
Legal Lot Number	43
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1001
Census Tract	41304

Owner

6699 Oak Cluster Cir is owned and occupied by an individual who bought it in January 2017.

Source: Hernando County records, as of June 24, 2026

Owner of Record	Individual Name on File
Mailing Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
May 17, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 11, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2017 · Amount on File
Deed Sale	Jan 11, 2017 · Amount on File
Prior Sale	May 7, 2002 · Amount on File
Deed Document Number	20171664
Deed Book / Page	3429 / 1389
Prior Transfer Date	Jan 10, 2017
Prior Transfer Doc	0034291389
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jun 16, 2026
Property Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419
Document Number	0000040656
Book / Page	4723 / 563
Instrument Date	Jun 5, 2026
Instrument	202640656
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419

Mortgage

Document Number	0000040656,
Date	Jun 16, 2026
Book Page	4723/563
Instrument	202640656

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419
Transaction Type	Mortgage
Record Updated	Sep 26, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419

Mortgage

Document Number	0041711199
Date	May 17, 2022
Book Page	4171/1199
Instrument	2022038067

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 11, 2017
Property Address	6699 OAK CLUSTER CIR, SPRING HILL, FL 34606-3419
Document Number	0034291389
Book / Page	003429 / 001389
Instrument Date	Jan 10, 2017
Instrument	1664
Transaction Type	Transfer
Record Updated	Feb 17, 2017

Transaction

Amount	Amount on Record
Tax	$616.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6699 OAK CLUSTER CIR SPRING HILL FL 346063419, SPRING HILL, FL 34606-3419

Tax Assessment & Valuation

The 2025 property tax bill for 6699 Oak Cluster Cir was $2,072 with a homeowner's exemption.

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	$2,072.00 Homeowner's exemption	$137,157	$256,824 Land $27,718 Building $229,106
2023		$129,410 Land $129,410
2022	$1,364.00		$211,606 Land $27,718 Building $183,888

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6699 Oak Cluster Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1993–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2013 · rainfall accumulation

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

Wildfire risk around 6699 Oak Cluster Cir is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Tillman Fiber, WOW Internet, Cable & Phone.

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