12403 CENTENNIAL STREET, Spring Hill, FL, 34609 | $470,000

Under contract-accepting backup offers. Discover a spacious haven perfect for growth and comfort! This impressive 2, 473 square foot POOL home features 4 bedrooms and 3 bathrooms, nestled on a generous ONE ACRE of land at the end of a tranquil CUL-DE-SAC, ensuring both privacy and ample space. Ideal for families seeking room to expand or those considering multi-generational living, the home greets you with a well-planned layout that includes a FORMAL LIVING and FORMAL DINING area bathed in natural light from large windows and sliding doors, complemented by soaring 10-FOOT CEILINGS throughout the home The centrally located kitchen boasts plentiful cabinetry, a PANTRY, GRANITE countertops, stainless steel appliances, and a welcoming BREAKFAST BAR, making it an inviting space for gatherings. Adjacent to the kitchen, the BREAKFAST NOOK provides direct access to the pool, while the FAMILY ROOM features built-in shelving and triple sliders leading to the outdoor oasis. The expansive master suite, which also opens to the pool area, includes 2 WALK-IN CLOSETS and a luxurious en suite bathroom with a dual vanity, SOAKING TUB and WALK-IN SHOWER. Bedrooms 2 & 3, along with a shared bathroom, are conveniently located off the kitchen, while bedroom 4 and bathroom 3 complete with a WALK-IN SHOWER and designed as a pool bath, are situated at the rear of the home, offering a private in-law suite option. Additional highlights include an INDOOR LAUNDRY room, a SCREENED-IN POOL with WATERFALL and ELEVATED SUNDECK, and a spacious covered lanai ideal for relaxation or entertaining. The property is set in a NON-HOA neighborhood, surrounded by wooded privacy, and features recent updates such as a new ROOF 2025, a 2024 HVAC system, 2024 WATER HEATER, and a generous two-car garage. NO HOA, NO FLOOD ZONE, NO CDD. Conveniently located near schools, medical, shopping, and the Suncoast Parkway, this home places Tampa just a short drive away.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Laundry Room, Washer Hookup
  • Year Built: 2002
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,473
  • Acreage: 1
  • Est. Taxes: $2,747
  • Lot Desc: Cul-De-Sac, Street Dead-End
  • Elem. School: Spring Hill Elementary
  • Middle School: West Hernando Middle School
  • High School: Central High School
  • Pool: Gunite, In Ground, Lighting, Outside Bath Access, Screen Enclosure
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8451572
  • Days on Market: 95 days
  • Website: https://www.raveis.com
    /prop/TB8451572/12403centennialstreet_springhill_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/18/2026 7:37:11 PM)
Listing courtesy of TROPIC SHORES REALTY   Phone: 800-775-1302

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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12403 CENTENNIAL STREET, Spring Hill, FL, 34609

$470,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $376,000 $376,000 $376,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.307% 6.419% 5.668%
Monthly Tax Payment $229 $229 $229
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,194 $2,315 $3,047
Total Monthly Payment $2,498 $2,619 $3,351

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.