7657 Gates Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 7657 Gates Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,035 sqft · built 2018
Lot Size	0.231 acres (10,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,900 (Mar 2021)
Tax Bill	$5,502 (2025)
Deeds & Mortgages	Mar 2021 Sale Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5040-0138-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5040-0138-0050`
Alternative APNs	`00235196` `235196`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,035 sqft Living Area
Gross Area	2,743 sqft
1st Floor Area	2,035 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,064 sqft (0.231 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00235196
Street Address	7657 GATES CIR
City	SPRING HILL
State	FL
Zip	34606-5217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 4 BLK 138 LOT 5 ORB 312 PG 77
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 4
Legal Block	138
Legal Lot Number	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1016
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	7657 GATES CIR, SPRING HILL, FL 34606-5217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Warranty Deed, Transfer NIRVANA TITLE
Feb 1, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC
Dec 28, 2017	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	202121163
Deed Book / Page	3972 / 1284
Prior Transfer Date	Feb 26, 2004
Prior Transfer Doc	0018060753
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 26, 2021
Property Address	7657 GATES CIR, SPRING HILL, FL 34606-5217
Document Number	0039721284
Book / Page	3972 / 1284
Map Reference	MB 7 PG 87-95
Instrument Date	Mar 25, 2021
Instrument	2021021163
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NIRVANA TITLE

Transaction

Amount	Amount Recorded
Tax	$1,749.30
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10260 TURKEY LAKE RD # RD149, 10260, ORLANDO, FL 32819-8054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7657 GATES CIR, SPRING HILL, FL 34606-5217

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 1, 2019
Property Address	7657 GATES CIR, SPRING HILL, FL 34606-5217
Document Number	0036670083
Book / Page	3667 / 0083
Map Reference	MB 7 PG 87-95
Instrument Date	Jan 29, 2019
Instrument	2019006818
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021
Title Company	PARAMOUNT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,388.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7657 GATES CIR, SPRING HILL, FL 34606-5217

Mortgage

Document Number	2019006819
Date	Feb 1, 2019
Instrument	2019006819

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	7657 GATES CIR, SPRING HILL, FL 34606-5217
Document Number	0035430071
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

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	$5,502.00 (+14.79%) Homeowner's exemption	$376,455 (+5.99%)	$384,464 (+3.76%) Land $30,695 Building $353,769
2023		$355,189 (+3%) Land $14,913 Building $340,276
2022	$4,793.00 Homeowner's exemption	$344,844 Land $21,235 Building $323,609	$370,529 Land $28,179 Building $342,350

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 95% of the US · lower than 95% 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 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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