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13170 Pirate Ln, Spring Hill, FL, 34609

2beds
2baths
1,258sqft
$300,000
$238price/sqft
$2,162/moest. monthly cost
$86,480/yrincome needed

About This Home

A place to call home. And this home has been cared for and it shows everywhere you go. The colors are pleasant the upgraded Kitchen and baths are tastefully decorated. NO back door neighbors, there is an ally that you can use to bring all of your toys to the large back yard. The playground or the new pool if you want one, you will have the room for it.. plenty of space you plant the best garden in the eare, plenty of private space for all of your needs and wants. It is close to supermarket, drug store, restaurants and so quiet at the same time. No flood near here, sits up on the hill, for extra protection. Front screened entrance and back extra room, the garage also has screens for added privacy. Come see this beautiful home.

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

4/10
5/10
Powell Middle SchoolGrades 6-82.0 mi
3/10
Central High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dinette

  • Level: First

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Eating Space In Kitchen,Living Room/Dining Room Combo,Open Floorplan,Split Bedroom,Stone Counters,Walk-In Closet(s)
  • Flooring: Porcelain Tile,Recycled/Composite Flooring,Hardwood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,986
  • Total interior livable area: 1,258 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: R3232317513008580270
  • Zoning: R
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Balcony,Courtyard

Lot

  • Lot size: 10,000 sqft
  • Lot size dimensions: 80 x 125

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Hernando County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$156$1,872
Property Taxes $293$3,516
Electricity $197$2,366
Total$2,162$25,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,125/yr
40% on housing$64,860/yr
45% on housing$57,653/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 34609$159
Hernando County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 34609$178
Hernando County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-01-01Listed for sale$300,000
2015-10-16Sold$74,700
2015-08-15Listed for sale$79,500
2015-07-09Listing removed$79,500
2015-07-01Listed for sale$79,500
2010-09-30Sold$68,000
2010-05-20Listed for sale$79,900
1998-08-13Sold$1,500

For Sale by Agent

AgentAngelica Vazquez
BrokerageEZ CHOICE REALTY

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