7321 Gates Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 7321 Gates Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,685 sqft · built 1980
Lot Size	0.778 acres (33,906 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Oct 2023)
Tax Bill	$4,883 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5020-0111-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5020-0111-0040`
Alternative APNs	`00228621` `228621`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
Gross Area	2,493 sqft
1st Floor Area	1,685 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,906 sqft (0.778 acres)
Lot Dimensions	172 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	208 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00228621
Street Address	7321 GATES CIR
City	SPRING HILL
State	FL
Zip	34606-6208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 2 BLK 111 LOT 4
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 2
Legal Block	111
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2000
Census Tract	41401

Owner

7321 Gates Cir is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	7321 GATES CIR, SPRING HILL, FL 34606-6208
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 9, 2023	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2023 · Amount on File
Deed Sale	Oct 9, 2023 · Amount on File
Prior Sale	Nov 1, 2021 · Amount on File
Deed Document Number	202364486
Deed Book / Page	4351 / 1810
Prior Transfer Date	Oct 21, 2021
Prior Transfer Doc	0040780115
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 9, 2023
Property Address	7321 GATES CIR, SPRING HILL, FL 34606-6208
Document Number	0043511810
Book / Page	4351 / 1810
Map Reference	MB 7 PG 65-79
Instrument Date	Sep 29, 2023
Instrument	2023064486
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	MILESTONE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7321 GATES CIR, SPRING HILL, FL 34606-6208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7321 GATES CIR, SPRING HILL, FL 34606-6208

Mortgage

Document Number	0043511812
Date	Oct 9, 2023
Book Page	4351/1812
Instrument	2023064487

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 1, 2021
Property Address	7321 GATES CIR, SPRING HILL, FL 34606-6208
Document Number	0040780115
Book / Page	4078 / 115
Map Reference	MB 7 PG 65-79
Instrument Date	Oct 21, 2021
Instrument	2021081984
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	TITLE US LLC, TITLE USA LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7321 GATES CIR, SPRING HILL, FL 34606-6208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7321 GATES CIR, SPRING HILL, FL 34606-6208

Mortgage

Document Number	0004078116
Date	Nov 1, 2021
Instrument	4078/116

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 7321 Gates Cir was $4,883.

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	$4,883.00	$293,615 Land $80,357 Building $213,258	$293,615 Land $80,357 Building $213,258
2023		$256,302 (+17.53%) Land $90,049 Building $166,253
2022	$3,291.00	$218,078 Land $58,318 Building $159,760	$256,302 Land $88,156 Building $168,146

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

Flood

FEMA maps place 7321 Gates 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Aug 1983 · tidal / storm surge

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 7321 Gates Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 410 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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