7515 Gates Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 7515 Gates Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1977
Lot Size	0.319 acres (13,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$17,184 (Feb 2017)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Feb 2017 Sale & Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5040-0202-0180`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5040-0202-0180`
Alternative APNs	`00244104` `244104`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,084 sqft
1st Floor Area	1,440 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1993
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,890 sqft (0.319 acres)
Lot Dimensions	125 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	286 sqft
Porch	Screened Porch
Porch Area	1,063 sqft
Deck Area	143 sqft
Patio Area	377 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00244104
Street Address	7515 GATES CIR
City	SPRING HILL
State	FL
Zip	34606-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 4 BLK 202 LOT 18 ORB 369 PG 077
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 4
Legal Block	202
Legal Lot Number	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1020
Census Tract	41402

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7515 GATES CIR, SPRING HILL, FL 34606-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Feb 8, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage REVERSE MORTGAGE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017 · Amount on Record
Deed Sale	Feb 8, 2017 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20177434
Deed Book / Page	3438 / 91
Prior Transfer Date	Dec 23, 2016
Prior Transfer Doc	0034380091
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7515 GATES CIR, SPRING HILL, FL 34606-5214
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7515 GATES CIR, SPRING HILL, FL 34606-5214

Mortgage

Document Number	0041231631
Date	Feb 7, 2022
Book Page	4123/1631
Instrument	2022009905

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.83%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.83%

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Feb 8, 2017
Property Address	7515 GATES CIR, SPRING HILL, FL 34606-5214
Document Number	0034380091
Book / Page	3438 / 0091
Map Reference	MB7 PG87-95
Instrument Date	Dec 23, 2016
Instrument	2017007434
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$120.40
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7515 GATES CIR, SPRING HILL, FL 34606-5214

Mortgage

Document Number	0034380094
Date	Feb 8, 2017
Instrument	3438/0094

Lender

Name	REVERSE MORTGAGE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.94%
Type Change Date	Jan 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR
Max Rate	5%

Tax Assessment & Valuation

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	$1,045.00 (+232.8%) Homeowner's exemption Senior Citizen's exemption	$80,534 (+9.2%)	$205,922 (+14.97%) Land $40,281 Building $165,641
2023		$73,748 (+3%) Land $73,748
2022	$314.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$71,600	$179,111 Land $36,947 Building $142,164

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 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2020–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2021 · other causes

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 98% of the US · lower than 97.6% 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 262 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 · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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