13445 BANNER ROAD, SPRING HILL, FL, 34609
Active32 days on marketListed Jul 3, 2026MLS #TB8525168
About this home
13445 BANNER ROAD
Nestled on a spacious lot in the heart of Spring Hill, this beautifully updated 4-bedroom, 2-bath pool home offers the perfect blend of style and comfort. Inside, you'll find waterproof luxury vinyl plank flooring throughout, fresh interior and exterior paint, new vanities with matching quartz countertops throughout the home, and modern 5¼-inch square baseboards. Additional upgrades include NEW SOLID WOOD SOFT CLOSE CABINETS IN THE KITCHEN with QUARTZ countertops, new blinds throughout, an epoxy garage floor with decorative flakes, and a stunning curbless walk-in shower in the primary suite. Step outside to your private screened pool, perfect for relaxing or entertaining year-round. Conveniently located near shopping, dining, schools, and the Suncoast Parkway, this move-in-ready home is one you won't want to miss!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,138
Sqft
0.28 ac
Lot size
2
Garage
1987
Year built
One
Levels
$187
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 — not generic estimates.
$3,104 /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
$3,104/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
+3.7%
$/sqft vs SPRING HILL
$187 vs $200
Days on market
32 vs 41 typical
Where $187/sqft sits among the 288 homes for sale in SPRING HILL
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 → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
140 of 288
SPRING HILL have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 13445 BANNER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$377,500
7337 PRICE STREET · same community
4 bd · 2 ba · 2,102 sqft · $180/sqft · 18 DOM
Sold · Mar ’26$380,000
11150 MARQUETTE STREET · same community
3 bd · 3.5 ba · 2,356 sqft · $161/sqft · 17 DOM
Sold · Dec ’25$365,000
10462 BAYLOR DRIVE · same community
3 bd · 2 ba · 1,883 sqft · $194/sqft · 3 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13445 BANNER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13445 BANNER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13445 BANNER ROAD FAQs
What would the monthly payment be for 13445 BANNER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,104/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 13445 BANNER ROAD?+
The most recent tax bill on record (2025) was $4,952. 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 13445 BANNER ROAD?+
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 $400,000, this home is listed about 16% above the Spring Hill median of $344,380. The market section on this page shows how the area is trending.
Which schools are assigned to 13445 BANNER ROAD?+
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
01Positioned at the premium end
$400,000 runs 18% above the SPRING HILL 34609 median — but at 2,138 sqft it's also 19% larger than the typical Spring Hill listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $410,000, now $400,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMAN REALTY GROUP INC · Thomas "TJ" Homan, Jr. MLS #TB8525168.
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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