6712 Oak Cluster Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 6712 Oak Cluster Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,665 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$284,900 (Feb 2022)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R21-223-17-6122-0000-0530`

Property Details

APN / Parcel Number

Primary APN	`R21-223-17-6122-0000-0530`
Alternative APNs	`01129004` `1129004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,665 sqft Living Area
1st Floor Area	1,665 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	90 sqft
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01129004
Street Address	6712 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 53
Legal Range	17E
Legal Township	23S
Legal Section	21
Legal Subdivision	TIMBER PINES TR 12 UN 2
Legal Tract	12
Legal Lot Number	53
Legal Unit	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1007
Census Tract	41304

Owner

Source: Hernando County records, as of December 10, 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 Record
Co-owner	2 Co-owners on Record
Mailing Address	1727 N CLEVELAND AVE, CHICAGO, IL 60614-5602
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Prior Sale	Apr 19, 2016 · Amount on Record
Deed Document Number	2022013630
Deed Book / Page	4130 / 659
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 22, 2022
Property Address	6712 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Document Number	0041300659
Book / Page	4130 / 659
Map Reference	MB 21 PG 35
Instrument Date	Feb 18, 2022
Instrument	2022013630
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ARK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,994.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	260 NE OLD VALDOSTA RD, 260, PINETTA, FL 32350-2125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1727 N CLEVELAND AVE, CHICAGO, IL 60614-5602

Mortgage

Document Number	0004130661
Date	Feb 22, 2022
Instrument	4130/661

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	6712 OAK CLUSTER CIR, SPRING HILL, FL 34606-3420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037981282
Date	Jan 23, 2020
Book Page	3798/1282
Instrument	2020004722

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$3,836.00 (+4.24%)	$268,739 (+10.88%) Land $32,109 Building $236,630	$268,739 (+10.88%) Land $32,109 Building $236,630
2023		$242,361 Land $17,263 Building $225,098
2022	$3,680.00		$242,361 Land $32,109 Building $210,252

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 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

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	0.01% 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 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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