7392 Royal Oak Dr, Spring Hill, FL 34607 Property Records

Hernando County property record for 7392 Royal Oak Dr, Spring Hill, FL 34607

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,522 sqft · built 1992
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Owner Names on Record
Last Sale	$173,000 (Jul 2014)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2016 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R09-223-17-2644-0007-0160`

Property Details

APN / Parcel Number

Primary APN	`R09-223-17-2644-0007-0160`
Alternative APNs	`01051890` `1051890`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,522 sqft Living Area
1st Floor Area	2,522 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	1,210 sqft
Deck Area	45 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01051890
Street Address	7392 ROYAL OAK DR
City	SPRING HILL
State	FL
Zip	34607-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE IN THE WOODS PHASE IV BLK 7 LOT 16
Legal Range	17E
Legal Township	23S
Legal Section	09
Legal Subdivision	LAKE IN THE WOODS PH IV
Legal Phase	4
Legal Block	7
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	1
Census Block	1038
Census Tract	41502

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	2 Owner Names on Record
Mailing Address	7392 ROYAL OAK DR, SPRING HILL, FL 34607-2339
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Dec 22, 2016	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2014 · Amount on Record
Deed Sale	Jul 31, 2014 · Amount on Record
Prior Sale	Jul 25, 2011 · Amount on Record
Deed Document Number	2014039793
Deed Book / Page	3115 / 0142
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7392 ROYAL OAK DR, SPRING HILL, FL 34607-2339
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7392 ROYAL OAK DR, SPRING HILL, FL 34607-2339

Mortgage

Document Number	0038770527
Date	Aug 19, 2020
Book Page	3877/527
Instrument	2020050577

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	MANITOWISH WATERS, WI 54545

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7392 ROYAL OAK DR, SPRING HILL, FL 34607-2339
Document Number	0034321318
Book / Page	003432 / 001318
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Feb 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7392 ROYAL OAK DR SPRING HILL FL 346072339, SPRING HILL, FL 34607-2339

Mortgage

Document Number	0034321318
Date	Jan 23, 2017
Book Page	003432/001318
Instrument	3777

Lender

Name	CENTERSTATE BK/FL
Type	Bank
Address	BROOKSVILLE, FL 34613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 22, 2027

Interest

Rate Type	Adjustable Rate

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	$1,548.00 (+4.74%) Additional exemption filed	$175,297 (+5.99%)	$357,936 (+5.52%) Land $45,196 Building $312,740
2023		$165,395 (+3%) Land $165,395
2022	$1,478.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$160,578	$339,199 Land $45,196 Building $294,003

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	52 (1983–2024)
Claims Outside the SFHA	7 of 52
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 9 claims Hurricane Idalia, Aug 2023 · 7 claims Hurricane Hermine, Sep 2016 · 5 claims

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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 268 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
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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