10154 Henderson St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10154 Henderson St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,545 sqft · built 2004
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (May 2026)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0431-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0431-0020`
Alternative APNs	`00274063` `274063`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,545 sqft Living Area
Gross Area	2,065 sqft
1st Floor Area	1,545 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Patio Area	140 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00274063
Street Address	10154 HENDERSON ST
City	SPRING HILL
State	FL
Zip	34608-6665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 431 LOT 2 ORB 342 PG 983
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	431
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3023
Census Tract	40901

Owner

10154 Henderson St is owned and occupied by an individual who bought it in May 2026.

Source: Hernando County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 12, 2023	Deed of Trust, Mortgage · Loan Assumption ROCKET MORTGAGE LLC
May 5, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Jan 16, 2019	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Prior Sale	Jan 16, 2019 · Amount on File
Deed Document Number	202629437
Deed Book / Page	4703 / 472
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043720868
Date	Dec 12, 2023
Book Page	4372/868
Instrument	2023077986

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Loan Assumption
Amount	Amount on Record

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 5, 2026
Property Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0000029437
Book / Page	4703 / 472
Instrument Date	Apr 13, 2026
Instrument	2026.29437
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	TURNER TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665

Mortgage

Document Number	0000029438,
Date	May 5, 2026
Book Page	4703/474
Instrument	2026.29438

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 16, 2019
Property Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0036611930
Book / Page	003661 / 001930
Instrument Date	Jan 15, 2019
Instrument	2958
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10154 HENDERSON ST SPRING HILL FL 346086665, SPRING HILL, FL 34608-6665

Mortgage

Document Number	36611932
Date	Jan 16, 2019
Book Page	003661/001932
Instrument	2959

Lender

Name	MID-CONTINENT FUNDING INC
Address	3401 W BROADWAY BUSINESS PARK CT, COLUMBIA, MO 65203-0394

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10154 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0034780035
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28592 SILVERTON DR LAGUNA NIGUEL CA 926771451, LAGUNA NIGUEL, CA 92677-1451

Mortgage

Document Number	0034780035
Date	Jun 12, 2017
Book Page	003478/000035
Instrument	33284

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10154 Henderson St was $5,209.

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	$5,209.00	$224,980	$248,381 Land $36,500 Building $211,881
2023		$183,596 Land $183,596
2022	$3,123.00		$236,401 Land $33,000 Building $203,401

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

Flood

FEMA maps place 10154 Henderson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 10154 Henderson St 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 97% of the US · lower than 96% 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 455 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 / 1,000

May also be available: AT&T, Verizon.

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