6702 Oak Cluster Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 6702 Oak Cluster Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,219 sqft · built 1988
Lot Size	0.234 acres (10,195 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jun 2002)
Tax Bill	$959 (2025)
Deeds & Mortgages	Oct 2026 Sale May 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R21-223-17-6122-0000-0570`

Property Details

APN / Parcel Number

Primary APN	`R21-223-17-6122-0000-0570`
Alternative APNs	`01129040` `1129040`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,219 sqft Living Area
Gross Area	1,761 sqft
1st Floor Area	1,219 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,195 sqft (0.234 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	278 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01129040
Street Address	6702 OAK CLUSTER CIR
City	SPRING HILL
State	FL
Zip	34606-3420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBER PINES TR 12 UNIT 2 LOT 57
Legal Range	17E
Legal Township	23S
Legal Section	21
Legal Subdivision	TIMBER PINES TR 12 UN 2
Legal Tract	12
Legal Lot Number	57
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1007
Census Tract	41304

Owner

6702 Oak Cluster Cir is owned and occupied by two individuals who acquired it in October 2026.

Source: Hernando County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Oct 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REGIONS BANK
Aug 10, 2020	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2002 · Amount on File
Deed Sale	Jun 10, 2002 · Amount on File
Deed Book / Page	1539 / 405
Last Transfer Date	Oct 5, 2026
Transfer Doc	0000067697
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 6, 2026
Property Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Document Number	0000067697
Book / Page	4769 / 813
Instrument Date	Oct 5, 2026
Instrument	202667697
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420

Mortgage

Document Number	0042931689
Date	May 4, 2023
Book Page	4293/1689
Instrument	2023026604

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2033

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	6702 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038731417
Date	Aug 10, 2020
Book Page	3873/1417
Instrument	2020048460

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jul 15, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 6702 Oak Cluster Cir was $959.

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	$959.00	$69,278	$219,159 Land $42,309 Building $176,850
2023		$65,365 Land $65,365
2022	$261.00		$193,584 Land $42,309 Building $151,275

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

Flood

FEMA maps place 6702 Oak Cluster Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 6702 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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