Hernando County property record for 10138 Loretto St, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,108 sqft · built 1992 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,000 (Mar 2019) |
| Tax Bill | $2,800 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5230-1569-0040 |
| Primary APN | R32-323-17-5230-1569-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,108 sqft Living Area |
| 1st Floor Area | 2,108 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 150 ft deep x 96 ft wide |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 1,041 sqft |
| Deck Area | 154 sqft |
| Patio Area | 44 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00632257 |
|---|---|
| Street Address | 10138 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 4 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 01 |
| Legal Subdivision | SPRING HILL UNIT 23 |
| Legal Block | 1569 |
| Legal Lot Number | 4 |
| Legal Unit | 23 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 41201 |
Source: Hernando County records, as of December 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10138 LORETTO ST, SPRING HILL, FL 34608-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2023 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Mar 22, 2019 | Warranty Deed, Transfer · Conventional with PMI SUNCOAST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2019 · Amount on Record |
| Deed Sale | Mar 22, 2019 · Amount on Record |
| Prior Sale | Feb 1, 2008 · Amount on Record |
| Deed Document Number | 2019017266 |
| Deed Book / Page | 3682 / 1325 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 10138 LORETTO ST, SPRING HILL, FL 34608-1743 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10138 LORETTO ST, SPRING HILL, FL 34608-1743 |
| Document Number | 0043461048 |
|---|---|
| Date | Sep 25, 2023 |
| Book Page | 4346/1048 |
| Instrument | 2023060822 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 216 Months |
| Due | Sep 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 22, 2019 |
| Property Address | 10138 LORETTO ST, SPRING HILL, FL 34608-1743 |
| Document Number | 0036821325 |
| Book / Page | 003682 / 001325 |
| Instrument Date | Mar 14, 2019 |
| Instrument | 17266 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,673.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10138 LORETTO ST SPRING HILL FL 346081743, SPRING HILL, FL 34608-1743 |
| Document Number | 36821327 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 003682/001327 |
| Instrument | 17267 |
| Name | SUNCOAST CU |
|---|---|
| Address | TAMPA, FL 33610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 21, 2049 |
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,800.00 (+0.9%) Additional exemption filed | $235,602 (+5.99%) | $355,628 (+1.49%) Land $41,904 Building $313,724 |
| 2023 | $222,293 (+3%) Land $222,293 | ||
| 2022 | $2,775.00 Homeowner's exemption | $215,818 | $350,410 Land $40,293 Building $310,117 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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.
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 |
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.
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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