10123 Cara St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10123 Cara St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,248 sqft · built 1987
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$746 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R24-223-17-2823-0000-0010`

Property Details

APN / Parcel Number

Primary APN	`R24-223-17-2823-0000-0010`
Alternative APNs	`01075614` `1075614`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,248 sqft Living Area
1st Floor Area	2,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	2,103 sqft
Deck Area	165 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01075614
Street Address	10123 CARA ST
City	SPRING HILL
State	FL
Zip	34608-7120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD PARK LOT 1
Legal Range	17E
Legal Township	23S
Legal Section	24
Legal Subdivision	ORCHARD PARK
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3003
Census Tract	41105

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	10123 CARA ST, SPRING HILL, FL 34608-7120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jan 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Nov 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 5, 2002
Deed Sale	Feb 5, 2002
Prior Sale	Jan 7, 2002 · Amount on Record
Deed Document Number	0149801085
Deed Book / Page	01489 / 00194
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10123 CARA ST, SPRING HILL, FL 34608-7120
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10123 CARA ST, SPRING HILL, FL 34608-7120

Mortgage

Document Number	0042841103
Date	Apr 13, 2023
Book Page	4284/1103
Instrument	2023020365

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10123 CARA ST, SPRING HILL, FL 34608-7120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037981176
Date	Jan 22, 2020
Book Page	3798/1176
Instrument	2020004705

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10123 CARA ST, SPRING HILL, FL 34608-7120
Document Number	0035411577
Book / Page	003541 / 001577
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10123 CARA ST SPRING HILL FL 346087120, SPRING HILL, FL 34608-7120

Mortgage

Document Number	0035411577
Date	Jan 8, 2018
Book Page	003541/001577
Instrument	1410

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2048

Tax Assessment & Valuation

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	$746.00 (+5.22%) Additional exemption filed	$96,752 (+5.99%)	$296,011 (+3.15%) Land $56,412 Building $239,599
2023		$91,286 Land $91,286
2022	$709.00		$286,978 Land $47,010 Building $239,968

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2016 · other causes

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 327 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 Global Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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