Moving to Spring Hill need info

Moving to Spring Hill need info

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Since: Jul 07

AOL

#1 Aug 12, 2011
Hello, my husband & I are seriously thinking of moving to Spring Hill next year from Phila, PA but we need some info. We've read all the news on the new sinkhole insurance rates & considering that any idea how much our homeowners insurance would cost us. We will have a mortgage & looking to apend about $130,000 for a 2000' ranch. We don't know anyone there so I'm kind of relying on you residents to tell us. And how do you like living there, are there many resturants to choose from? We've only visited the area 2x & that was 3 yrs ago & didn't think to investigate at that time since we weren't planning on moving.

Thanks in advance.
Spring Hiller

Inverness, FL

#2 Aug 12, 2011
Well, the other insurance company out there covering Hernando Cty. is state run Citizens, and they want to jack our sinkhole coverage to $6.152 and thats just for sinkhole, no other coverage. So figure around $7,000 a yr. If your paying cash, and want to take a risk, you don't need the coverage. But with over 1,400 homes classified as "sinkhole" you better check real good if any property has been reported or if it was even fixed.
The property values have seriously dropped, here with many, many under $100,000. Many people are renting now, and with a large amount of forclosures you might get lucky. With unemployment second highest in the state at 15.2 there are few jobs, mostly health, lots of landscaping. There are many chain restaurants here Applebees, Panera Bread, Cracker Barrel, Chilis, Red Lobster, Cody's, plus mom and pop places.

I've lived here a long time, and want out, as quickly as possible. The drug problems here are outrageous, with grow houses, meth labs. and plenty of crime. You can check the Hernando Cty Sheriffs website.

The heat is a killer in the summer, with temps of 94 or higher with heat index of 110. There is only one small beach here in HC, Pine Island. Most people (seniors) don't go outside during the heat of the day, its a/c house to a/c car to a/c stores. Mold, is another problem that people don't think about, because it doesn't get cold here it breeds mold, on most roofs, driveways, and Lani's. Also you get sicker here, due to the fact that bacteria grows because its always hot here.
My advise is there are nicer places than Spring Hill to live.....come for a visit check the area out again, before burning the bridges behind you.
Good Luck........

Since: Jul 07

AOL

#3 Aug 12, 2011
@Spring Hiller - 1st I want to thank you again & again for such a wealth of information. You gave me a lot to think about that either I didn't know or consider.$7000!!!!! Wow! How do they seriously expect anyone to be able to afford that? Are sinkholes really that common in Spring Hill? And since we would have a mortgage I know the mortgage company would require that we have full coverage on the house, this is something we'll really to think over. I will investigate the crime in the area. Tell me have you ever had a hurricane or the threat of 1 there? This was going to be a retirement home for us & a area we were considering but perhaps we'll have to re-consider. Once again thank you so very much!
back around

Sun City Center, FL

#4 Aug 12, 2011
Spring Hiller wrote:
Well, the other insurance company out there covering Hernando Cty. is state run Citizens, and they want to jack our sinkhole coverage to $6.152 and thats just for sinkhole, no other coverage. So figure around $7,000 a yr. If your paying cash, and want to take a risk, you don't need the coverage. But with over 1,400 homes classified as "sinkhole" you better check real good if any property has been reported or if it was even fixed.
The property values have seriously dropped, here with many, many under $100,000. Many people are renting now, and with a large amount of forclosures you might get lucky. With unemployment second highest in the state at 15.2 there are few jobs, mostly health, lots of landscaping. There are many chain restaurants here Applebees, Panera Bread, Cracker Barrel, Chilis, Red Lobster, Cody's, plus mom and pop places.
I've lived here a long time, and want out, as quickly as possible. The drug problems here are outrageous, with grow houses, meth labs. and plenty of crime. You can check the Hernando Cty Sheriffs website.
The heat is a killer in the summer, with temps of 94 or higher with heat index of 110. There is only one small beach here in HC, Pine Island. Most people (seniors) don't go outside during the heat of the day, its a/c house to a/c car to a/c stores. Mold, is another problem that people don't think about, because it doesn't get cold here it breeds mold, on most roofs, driveways, and Lani's. Also you get sicker here, due to the fact that bacteria grows because its always hot here.
My advise is there are nicer places than Spring Hill to live.....come for a visit check the area out again, before burning the bridges behind you.
Good Luck........
I agree, much nicer places to live. There are more and more empty houses. At the corner of Coronado and Spring Hill both houses on the opposite corners are now vacant.

It is sad, as the one home was always very nicely landscaped.

And there are now a lot of renters coming in and I don't like what I'm seeing. I don't care if it sounds racist or not, but there are a lot of low class blacks coming into the area.

In addition to low class whites.

I'm not talking about middle class professional blacks, these are ghetto blacks. I don't want to live among them.

The OP said they would carrying a mortgage, so they would have to have homeowner's insurance.

If you own outright, you can drop it, but the rates are going to skyrocket for insurance.

Come down and look, but pay attention to the many foreclosed homes, and what and who you see in the stores.

You just don't want to buy a house because you get a good deal, you want to see who is living around you.

And there was another strong arm robbery here this afternoon. I just missed the action by a couple of hours.

The area has gone downhill quickly in the last few years.
back around

Sun City Center, FL

#5 Aug 12, 2011
AmberGoldDust wrote:
@Spring Hiller - 1st I want to thank you again & again for such a wealth of information. You gave me a lot to think about that either I didn't know or consider.$7000!!!!! Wow! How do they seriously expect anyone to be able to afford that? Are sinkholes really that common in Spring Hill? And since we would have a mortgage I know the mortgage company would require that we have full coverage on the house, this is something we'll really to think over. I will investigate the crime in the area. Tell me have you ever had a hurricane or the threat of 1 there? This was going to be a retirement home for us & a area we were considering but perhaps we'll have to re-consider. Once again thank you so very much!
They're not going to afford it. Pretty much everyone I know plans on dropping their insurance and taking their chances. But they own their houses as do we outright.

No mortgage means you can do that.

For those who are just scraping buy now who are carrying a mortgage, there will be more foreclosures. These people don't have another 5K laying around to pay for the insurance.

Very scary.

Since: Jul 07

AOL

#7 Aug 13, 2011
back around wrote:
<quoted text>
They're not going to afford it. Pretty much everyone I know plans on dropping their insurance and taking their chances. But they own their houses as do we outright.
No mortgage means you can do that.
For those who are just scraping buy now who are carrying a mortgage, there will be more foreclosures. These people don't have another 5K laying around to pay for the insurance.
Very scary.
I agree, this is very scary, & I appreciate you informing me on renters moving into these homes instead of buyers, that's something else I don't want to deal with. Do you really believe that Citizens Insurance will get the 2000% increase there're asking for? Cause I also read the FL insurance board who gives the final ok on rate increases are considering "phasing in" the rate increases so as not to slam the residents with huge increases all at 1 time, & there was some hint that Citizens may not get the full amount they're requesting cause it would be too much of a hardship on homeowners. I thank you for your response it was most informative.

Since: Jul 07

AOL

#8 Aug 13, 2011
@The Truth of the Matter -
From what I understand optional coverage only applies if you own your home, no mortgage, but if you do have a mortgage your mortgage company will require you to have sinkhole insurance included, am I wrong?
Thank you for all your suggestions, it's also good to read the positives of the area, the pros & cons so to speak but I absolutely want to know the cons more so than the pros since I don't want to relocate somewhere with my head in the sand & end up being remorseful, there's too much money at stake to make a huge mistake. Spring Hill "appears" to be a nice place, looks comfortable, not a hurricane prone area (right?), & peaceful, but I am on the outside looking in which can be misleading. It's like dating someone, thinking they're so wonderful until you marry them, then after co-habitating you discover "the real them", LOL! Great tip about checking out the sheriff's ofc as well, I'll do that. Thank you for the sea of information you gave me, I really do appreciate your response.
TRIPE

Ashburn, VA

#10 Aug 13, 2011
OPINION becomes TRUTH in the MINDS OF the OPINIONATED

Interesting how when one studies one's own opinions one becomes 'opinioned' that one is certainly loaded with 'truth' and assumes that 'opinion' is truth

REALITY is what matters

THINK DO NOT PROSTILITIZE

Most of us, perhaps 50%, like our own opinions
Spring Hiller

Inverness, FL

#11 Aug 13, 2011
Oh yes, BB&T on Spring Hill Drive and Mariner was held up yesterday by two thugs with guns. One was from Cocoa Beach, the other Merritt Island.

Paster David Garcia, Paster of a church in Brooksville was rear-ended by a Brooksville business man (church related issues).

The statement that a small percentage of home owners in Fl. have full sinkhole is not true, anyone with a mortgage (most banks require it) has to have sinkhole coverage. There are three homes on my block with unfixed sinkholes, three sitting empty because no one wants to fix them at the cost of thousands of dollars. There is one owner who put in a claim in 2010, they have 8 holes, some of which are due to the next door neighbors holes that are not fixed, one hole is so deep its endless and goes onto a neigbors property in the back. Citizens refuses to talk to the party, they now have a lawyer, a public adjuster and Citizens refuses to talk to any of them.

I've had my purse nearly stolen twice in the SuperWalmart on US 19, there are always people in the store checking ladies purses, and not teenagers I'm talking senior citizens. This is not sleepy little Spring Hill, anymore, you have to have your wits about you at all times. The elements that are moving here are less than desirable. You got single mothers, with kids with each one with a different father. You got others that can't make it elsewhere and think coming South will put them on the "gravy train". You got others who move into rentals on a monthly basis, you can see moving trucks monthly with people on Spring Hill Drive in and out, doesn't pay to unpack, you got people lined up at St. Vincent DePaul and the Methodist church for food, with unemployment at 15.2 people are getting frustrated, angry and desperate, with virtually no industry here, and few with high school educations (PHCC has 350 enrolled in GED) what are they to do?
They rob, steal and don't care who they hurt.....thats Spring Hill.
let it be said

Inverness, FL

#14 Aug 13, 2011
that...

... we are the product of our experiencesoids

seems to me that ...

... some experience nothing; they are largely voids

yes, you may be a void; a nothing...

or, you may be saturated;hence, overwhelmed

YET - YOU ARE HUMAN - A CHILD OF GOD - A BLESSED
OBSERVER

Inverness, FL

#15 Aug 13, 2011
The Truth of the Matter wrote:
Why is it that any time anyone has an opinion that is contrary to yours, you immediately attack that person and their post?
Some see the glass as half empty. Some see the glass as half full.
It is obvious as to what you see.
<quoted text>
DIFFERANCE OF OPINION IS BUT DISAGREEMENT NOT ATTACK

FORUMS ARE FOR DISCUSSION; WOULD YOU CLOSE DISCUSSION?

i, FOR ONE, ENJOY ANY/ALL COMMENTERS.......YES.....INCLU DING YOU, AND 'TRIPE' EQUALLY
back around

Sun City Center, FL

#16 Aug 13, 2011
AmberGoldDust wrote:
<quoted text>
I agree, this is very scary, & I appreciate you informing me on renters moving into these homes instead of buyers, that's something else I don't want to deal with. Do you really believe that Citizens Insurance will get the 2000% increase there're asking for? Cause I also read the FL insurance board who gives the final ok on rate increases are considering "phasing in" the rate increases so as not to slam the residents with huge increases all at 1 time, & there was some hint that Citizens may not get the full amount they're requesting cause it would be too much of a hardship on homeowners. I thank you for your response it was most informative.
You're very welcome. No one is happy about how quickly this area is going downhill but it is what it is.

I knew one of the managers in one of the local Publix, he and his wife relocated to Tenn. They have been gone about a year.

He told me he told his wife he didn't like what he was seeing coming into the store and it was time to go.

They love living in Tenn.

This area used to be mainly retirees who moved down from up north, paid cash for their houses, maintained nice homes, and made it a pleasant place to live.

Now you're getting the dregs of NY, Miami, and even Tampa have come to Spring Hill.

They're renting out houses to anyone they can, and with it comes a change in environment.

And in regards to the insurance increase, most everyone I know owns their home outright, and plans on dropping their coverage rather than pay this outrageous increase.
back around

Sun City Center, FL

#17 Aug 13, 2011
Spring Hiller wrote:
Oh yes, BB&T on Spring Hill Drive and Mariner was held up yesterday by two thugs with guns. One was from Cocoa Beach, the other Merritt Island.
Paster David Garcia, Paster of a church in Brooksville was rear-ended by a Brooksville business man (church related issues).
The statement that a small percentage of home owners in Fl. have full sinkhole is not true, anyone with a mortgage (most banks require it) has to have sinkhole coverage. There are three homes on my block with unfixed sinkholes, three sitting empty because no one wants to fix them at the cost of thousands of dollars. There is one owner who put in a claim in 2010, they have 8 holes, some of which are due to the next door neighbors holes that are not fixed, one hole is so deep its endless and goes onto a neigbors property in the back. Citizens refuses to talk to the party, they now have a lawyer, a public adjuster and Citizens refuses to talk to any of them.
I've had my purse nearly stolen twice in the SuperWalmart on US 19, there are always people in the store checking ladies purses, and not teenagers I'm talking senior citizens. This is not sleepy little Spring Hill, anymore, you have to have your wits about you at all times. The elements that are moving here are less than desirable. You got single mothers, with kids with each one with a different father. You got others that can't make it elsewhere and think coming South will put them on the "gravy train". You got others who move into rentals on a monthly basis, you can see moving trucks monthly with people on Spring Hill Drive in and out, doesn't pay to unpack, you got people lined up at St. Vincent DePaul and the Methodist church for food, with unemployment at 15.2 people are getting frustrated, angry and desperate, with virtually no industry here, and few with high school educations (PHCC has 350 enrolled in GED) what are they to do?
They rob, steal and don't care who they hurt.....thats Spring Hill.
Exactly. And no it isn't this way in everytown, USA. My family in NC isn't living among the trash that now lives in Spring Hill.

I was talking to a young guy who works as a cook in a local restaurant, nice enough kid, but he told me if I lose my job I will do something illegal to make money.

There is house on SHD, I will get the address I'm sure is a drug house. You have guys in baggy pants and dreadlocks outside on cell phones.

Quite a change from years ago.

They will rent to anyone here.

As I said earlier, you're not seeing middle class whites and blacks moving in, you're getting the lowlifes.

I don't like being in close proximity to them.
TOLL TAKER

Jupiter, FL

#18 Aug 13, 2011
WISH WE COULD GET A REAL, ACCURATE, HONEST POLL, OUT OF SPRING HILL, HERNANDO COUNTY, FLORIDA TO SEE WHAT IS REAL THERE NOW.

IS THERE A WONDERFUL PLACE OR A PLACE THAT SHOULD BE REPLACED?

ARE SOME POSTERS UNABLE TO SEE WHAT OTHERS DO, SHOULD SOME JUST STOP THEIR DIVERTED EYES AND SEE.

MEANWHILE WHAT IS REAL ==========>

ME, I SAY, SPRING HILL NEEDS A BIT OF REVISION OR PERHAPS REPLACEMENT WITH A VITAL FRESH TOWN INSTEAD OF A CORPSE
back around

Sun City Center, FL

#19 Aug 13, 2011
The Truth of the Matter wrote:
Why is it that any time anyone has an opinion that is contrary to yours, you immediately attack that person and their post?
Some see the glass as half empty. Some see the glass as half full.
It is obvious as to what you see.
<quoted text>
LOL...look whose talking, you constantly attack people who have a different view than yours.

BTW, some of us do travel to other places and other states. I don't see other areas like Spring Hill that have vacant homes on every block.

That have ghetto lowlifes and white trash coming in to rent homes.

This area is going downhill at an alarming rate.

It is turning into another Pasco County.

Since: Jul 07

AOL

#20 Aug 13, 2011
Well!! It seems "all that glitters is not gold". Drug dealers, drug houses, thieves, renters instead of buyers, lots of problems in this area. You can't help but wonder what happened or how did this [email protected] Hiller - You are a excellent source, like I said I don't want to hear just the glory side but the flip side as well, & I surely thank you for all the info & any other thing you want to tell me. You probably will save us from making a huge mistake so again thank you as well as all the posters on this thread for your input was equally helpful & welcomed. I do realize there are no perfect communities, so there will be some pitfalls no matter where we settle, but it's good to get insider information cause who knows the area better than the residents.

Since: Jul 07

AOL

#21 Aug 13, 2011
Looking at real estate on line I'm confused since some locations say Spring Hill & others Weeki Wachi, are they 1 in the same? They both seem to share the same zipcode which I find confusing, why is that?
WW Fallls et all

Inverness, FL

#22 Aug 13, 2011
the zip is the pip.......

toss some corporately owned ( deltona corp ) property out for developement and name what you will and you still have one parcel; play games with bucks etc etc etc;

woops

Since: Jul 07

AOL

#25 Aug 14, 2011
The Truth of the Matter wrote:
Try this website...
http://www.co.hernando.fl.us/
<quoted text>
Thanks!!!! That's a great site with lots of info.
Gosh - oh My

Inverness, FL

#26 Aug 14, 2011
The Truth of the Matter wrote:
Try this website...
http://www.co.hernando.fl.us/
<quoted text>
Thanks -

Nice web page, but then, hot for county, and little, if anything as to that critical town Spring Hill

The page is like an Army Recruiting poster, sell is sweet, but the Army never says "YOU MAY GET KILLED"

Folks Please :

Info, opinions from all sides desired - cut the B S - we want fact not superimposition

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