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6705 Oak Cluster Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 6705 Oak Cluster Cir, Spring Hill, FL 34606

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,427 sqft · built 1989
Lot Size0.163 acres (7,080 sqft)
OwnerTrust Name on File
Last Sale$113,500 (Dec 2014)
Tax Bill$1,366 (2025)
Deeds & MortgagesJan 2023 Transfer
Apr 2022 Mortgage
Flood ZoneZone X (minimal risk)
APNR21-223-17-6122-0000-0460

Property Details

APN / Parcel Number

Primary APNR21-223-17-6122-0000-0460
Alternative APNs
  • 01128933
  • 1128933

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,427 sqft Living Area
Gross Area2,051 sqft
1st Floor Area1,427 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1998
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,080 sqft (0.163 acres)
Garage TypeAttached
Garage Area418 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area206 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number01128933
Street Address6705 OAK CLUSTER CIR
CitySPRING HILL
StateFL
Zip34606-3421
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTIMBER PINES TR 12 UNIT 2 LOT 46
Legal Range17E
Legal Township23S
Legal Section21
Legal SubdivisionTIMBER PINES TR 12 UN 2
Legal Tract12
Legal Lot Number46
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group1
Census Block1001
Census Tract41304

Owner

6705 Oak Cluster Cir is owner-occupied and held in a trust since January 2023.

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

Owner of RecordTrust Name on File
Mailing Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

DateDocument
Jan 20, 2023Intrafamily Transfer, Transfer
Apr 27, 2022Deed of Trust, Mortgage · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 2, 2014 · Amount on File
Deed SaleDec 2, 2014 · Amount on File
Deed Document Number201463771
Deed Book / Page3148 / 1104
Last Transfer DateJan 17, 2023
Transfer Doc0042600278
Record UpdatedSep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateJan 20, 2023
Property Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421
Document Number0042600278
Book / Page4260 / 278
Map ReferenceMB 21 PG 35-37
Instrument DateJan 17, 2023
Instrument2023004314
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421

Transferred To (Grantee/Buyer)

NameVerified Name
Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421
Transaction TypeMortgage
Record UpdatedSep 26, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address6705 OAK CLUSTER CIR, SPRING HILL, FL 34606-3421

Mortgage

Document Number0041611161
DateApr 27, 2022
Book Page4161/1161
Instrument2022031673
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 6705 Oak Cluster Cir was $1,366.

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,366.00$87,653$242,029 Land $29,382 Building $212,647
2023$82,702 Land $82,702
2022$655.00$224,928 Land $29,382 Building $195,546

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

Flood

FEMA maps place 6705 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 23 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims4 (1993–2013)
Claims Outside the SFHA3 of 4
Most Recent ClaimSep 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 6705 Oak Cluster Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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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