12492 PINE BLUFF STREET, SPRING HILL, FL, 34609
Active84 days on marketListed May 2, 2026MLS #W7885231
About this home
12492 PINE BLUFF STREET
LIKE NEW - PUBLIC SEWER - NO BUILD BEHIND! Welcome To This Beautifully Built 2024 Home Offering The Perfect Blend Of Space, Style, And Functionality. This 3-Bedroom, 2-Bathroom Residence With A 2-Car Garage Features An Inviting Open Floor Plan Designed For Both Comfortable Living And Effortless Entertaining. The Spacious Kitchen Is The Heart Of The Home, Complete With Stainless Steel Appliances, A Convenient Breakfast Bar, An Eat-In Kitchen Nook, And An Abundance Of Cabinetry And Counter Space For All Your Storage And Prep Needs. An Inside Laundry Room With A Large Pantry Adds Everyday Convenience. A Separate Formal Dining Room Adds Versatility For Gatherings And Special Occasions. The Oversized Primary Suite Is A True Retreat, Showcasing Elegant Crown Molding Tray Ceilings And A Private En Suite Bath With Dual Sinks, A Vanity Area, Separate Soaking Tub And Walk-In Shower, Linen Closet, Water Closet, And A Large Walk-In Closet. Two Additional Bedrooms Are Generously Sized And Share A Guest Bath With A Tub/Shower Combo, Ideal For Family Or Visitors. Blinds Are Installed On All Windows Throughout The Home For Added Comfort And Privacy. Step Outside To Enjoy The Covered Back Porch With Built-In Blinds On The Doors, Offering Both Convenience And A Clean, Modern Look. The Home Backs To A Retention Pond With No Build Behind, Providing Added Privacy And A Peaceful, Tranquil Setting. Located In A Great Community Close To Restaurants, Shopping, And Hospitals, This Nearly New Home Offers Modern Living In A Highly Convenient Location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,958
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$161
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,615 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,615/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−13.2%
$/sqft vs PINE BLUFF
$161 vs $183
Days on market
84 vs 29 typical
Where $161/sqft sits among the 7 homes for sale in PINE BLUFF
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34609 — neighborhood snapshot
Population
46,066
Median age
44.8
Median income
$79,284
Median home value
$275,900
Avg household
2.7
Households w/ children
5,105
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
6 of 7
PINE BLUFF have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 12492 PINE BLUFF STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$341,100
4707 SUTHERLAND STREET Lot 127 · same community
3 bd · 2 ba · 1,970 sqft · $173/sqft · 0 DOM
Sold · Oct ’25$335,300
4889 SUTHERLAND STREET Lot 53 · same community
3 bd · 2 ba · 1,970 sqft · $170/sqft · 82 DOM
Sold · Jul ’25$342,550
4505 SUTHERLAND STREET Lot 8 · same community
4 bd · 2 ba · 2,000 sqft · $171/sqft · 8 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12492 PINE BLUFF STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12492 PINE BLUFF STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
12492 PINE BLUFF STREET FAQs
What would the monthly payment be for 12492 PINE BLUFF STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,615/mo — principal and interest, the actual property-tax bill, the $83/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 12492 PINE BLUFF STREET?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12492 PINE BLUFF STREET?+
The most recent tax bill on record (2025) was $4,538. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12492 PINE BLUFF STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Spring Hill?+
At $315,000, this home is listed about 9% below the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12492 PINE BLUFF STREET?+
Powell Middle School (middle), Central High School (high), Pine Grove Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the SPRING HILL 34609 market on paper
$315,000 is 7% below the SPRING HILL 34609 median of $340,000, and at $161/sqft it sits under the Spring Hill average of $199.
02Time on market is leverage
84 days on market against a Spring Hill median of 29 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $326,000, now $315,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Ryan McClure. MLS #W7885231.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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