10165 Bannister St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10165 Bannister St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,844 sqft · built 1982
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Sep 2026)
Tax Bill	$3,996 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0440-0150`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0440-0150`
Alternative APNs	`00275794` `275794`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,844 sqft Living Area
Gross Area	2,428 sqft
1st Floor Area	1,844 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1996
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00275794
Street Address	10165 BANNISTER ST
City	SPRING HILL
State	FL
Zip	34608-6604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 440 LOT 15
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	440
Legal Lot Number	15
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3004
Census Tract	40901

Owner

Source: Hernando County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL
Sep 3, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Feb 7, 2017	Warranty Deed, Transfer · FHA Mortgage FAMILY FIRST FUNDING LLC
Jan 10, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Sep 3, 2020 · Amount on Record
Deed Document Number	202663737
Deed Book / Page	4762 / 1395
Prior Transfer Date	Jul 12, 2016
Prior Transfer Doc	0034290809
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 23, 2026
Property Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Document Number	0000063737
Book / Page	4762 / 1395
Instrument Date	Sep 22, 2026
Instrument	202663737
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214,221.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Investor	Possibly a Property Investor

Mortgage

Document Number	0000063738,
Date	Sep 23, 2026
Book Page	4762/1398
Instrument	202663738

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 3, 2020
Property Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Document Number	0038831090
Book / Page	3883 / 1090
Map Reference	MB 8 PG 27-37
Instrument Date	Aug 27, 2020
Instrument	2020054214
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE OF SUNCOAST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1229 SIOUX CT, 1229, SPRING HILL, FL 34606-4750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604

Mortgage

Document Number	38831092
Date	Sep 3, 2020
Instrument	3883/1092

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 7, 2017
Property Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Document Number	0034371458
Book / Page	3437 / 1458
Map Reference	MB8 PG27-37
Instrument Date	Feb 6, 2017
Instrument	2017007176
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	MAJESTY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1168 BATTERSEA AVE, 1168, SPRING HILL, FL 34609-5508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604

Mortgage

Document Number	0034371459
Date	Feb 7, 2017
Book Page	3437/1459
Instrument	2017007177

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 10, 2017
Property Address	10165 BANNISTER ST, SPRING HILL, FL 34608-6604
Document Number	0034290809
Book / Page	003429 / 000809
Instrument Date	Jul 1, 2016
Instrument	1439
Transaction Type	Foreclosure
Record Updated	Feb 17, 2017

Transaction

Amount	Amount Recorded
Tax	$428.40
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1168 BATTERSEA AVE SPRING HILL FL 346095508, SPRING HILL, FL 34609-5508

Tax Assessment & Valuation

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	$3,996.00 (+28.41%)	$222,005 (+21%)	$243,596 (+3.73%) Land $36,500 Building $207,096
2023		$183,475 (-14.84%) Land $183,475
2022	$3,112.00	$215,454 Land $23,800 Building $191,654	$234,827 Land $33,000 Building $201,827

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
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

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

Wildfire Risk	Not rated no burnable land within 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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