10127 Bedford Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 10127 Bedford Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 2004
Lot Size	0.255 acres (11,116 sqft)
Owner	2 Individual Names on File
Last Sale	$153,400 (Jan 2019)
Tax Bill	$2,249 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0447-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0447-0160`
Alternative APNs	`00276962` `276962`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	2,296 sqft
1st Floor Area	1,374 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,116 sqft (0.255 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	424 sqft
Deck Area	117 sqft
Utility Building	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00276962
Street Address	10127 BEDFORD RD
City	SPRING HILL
State	FL
Zip	34608-5813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 447 LOT 16 ORB 342 PG 993
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	447
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3023
Census Tract	41105

Owner

10127 Bedford Rd is owned and occupied by two individuals who bought it in January 2019.

Source: Hernando County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10127 BEDFORD RD, SPRING HILL, FL 34608-5813
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
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jan 8, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2019 · Amount on File
Deed Sale	Jan 8, 2019 · Amount on File
Prior Sale	Nov 13, 2014 · Amount on File
Deed Document Number	20191274
Deed Book / Page	3659 / 1183
Prior Transfer Date	Dec 7, 2006
Prior Transfer Doc	0023740463
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10127 BEDFORD RD, SPRING HILL, FL 34608-5813
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10127 BEDFORD RD, SPRING HILL, FL 34608-5813

Mortgage

Document Number	0040321387
Date	Jul 28, 2021
Book Page	4032/1387
Instrument	2021056301

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 8, 2019
Property Address	10127 BEDFORD RD, SPRING HILL, FL 34608-5813
Document Number	0036591183
Book / Page	003659 / 001183
Instrument Date	Dec 31, 2018
Instrument	1274
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10127 BEDFORD RD SPRING HILL FL 346085813, SPRING HILL, FL 34608-5813

Mortgage

Document Number	36591186
Date	Jan 8, 2019
Book Page	003659/001186
Instrument	1275

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10127 Bedford Rd was $2,249 with a homeowner's exemption.

Source: Hernando County assessment roll, as of December 8, 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	$2,249.00 Homeowner's exemption	$148,578	$257,805 Land $40,573 Building $217,232
2023		$140,185 (+3%) Land $140,185
2022	$1,528.00 Homeowner's exemption	$136,102	$235,627 Land $36,683 Building $198,944

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

Flood

FEMA maps place 10127 Bedford Rd in Zone X, an area of minimal flood risk, within 500 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 500 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

Wildfire risk around 10127 Bedford Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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 Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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