10106 Loretto St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10106 Loretto St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,010 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 2021)
Tax Bill	$3,475 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5230-1569-0010`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5230-1569-0010`
Alternative APNs	`00320245` `320245`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	2,010 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	137 ft deep x 93 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	1,159 sqft
Deck Area	90 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00320245
Street Address	10106 LORETTO ST
City	SPRING HILL
State	FL
Zip	34608-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 23 BLK 1569 LOT 1
Legal Range	17E
Legal Township	23S
Legal Section	01
Legal Subdivision	SPRING HILL UNIT 23
Legal Block	1569
Legal Lot Number	1
Legal Unit	23
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2010
Census Tract	41201

Owner

10106 Loretto St is owned and occupied by an individual who bought it in August 2021.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10106 LORETTO ST, SPRING HILL, FL 34608-1743
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Aug 16, 2007 · Amount on File
Deed Document Number	0004048274
Deed Book / Page	4048 / 274
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10106 LORETTO ST, SPRING HILL, FL 34608-1743
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10106 LORETTO ST, SPRING HILL, FL 34608-1743

Mortgage

Document Number	0042580336
Date	Jan 12, 2023
Book Page	4258/336
Instrument	2023002961

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jan 11, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 30, 2021
Property Address	10106 LORETTO ST, SPRING HILL, FL 34608-1743
Document Number	0040480274
Book / Page	4048 / 274
Map Reference	MB 10 PG 44-52
Instrument Date	Aug 30, 2021
Instrument	2021065157
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5120 LYDIA CT, 5120, SPRING HILL, FL 34608-2628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10106 LORETTO ST, SPRING HILL, FL 34608-1743

Mortgage

Document Number	4048276
Date	Aug 30, 2021
Instrument	4048/276

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10106 Loretto St was $3,475 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,475.00 Additional exemption filed	$287,856 Land $38,100 Building $249,756	$287,856 Land $38,100 Building $249,756
2023		$303,818 Land $48,244 Building $255,574
2022	$3,937.00		$313,265 Land $36,635 Building $276,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10106 Loretto St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10106 Loretto St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people · EPA ID FL6277059
Water Source	Groundwater
Last State Inspection	May 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	18 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: AT&T.

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