10170 Loretto St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10170 Loretto St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,438 sqft · built 2000
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$32,000 (Jan 1993)
Tax Bill	$3,060 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5230-1569-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5230-1569-0080`
Alternative APNs	`00632293` `632293`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,438 sqft Living Area
1st Floor Area	3,438 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	150 ft deep x 106 ft wide
Garage Area	1,041 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	712 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00632293
Street Address	10170 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 8
Legal Range	17E
Legal Township	23S
Legal Section	01
Legal Subdivision	SPRING HILL UNIT 23
Legal Block	1569
Legal Lot Number	8
Legal Unit	23
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2010
Census Tract	41201

Owner

10170 Loretto St is owned and occupied by two individuals who bought it in January 1993.

Source: Hernando County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743
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
Dec 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 15, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 31, 2016	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 1993 · Amount on File
Deed Sale	Jan 12, 1993 · Amount on File
Deed Document Number	0000900922
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743

Mortgage

Document Number	0046501328
Date	Dec 26, 2025
Book Page	4650/1328
Instrument	2025088392

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743

Mortgage

Document Number	0043520201
Date	Oct 10, 2023
Book Page	4352/201
Instrument	2023064635

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743

Mortgage

Document Number	0039251301
Date	Dec 15, 2020
Book Page	3925/1301
Instrument	2020078455

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10170 LORETTO ST, SPRING HILL, FL 34608-1743
Document Number	0034290199
Book / Page	003429 / 000199
Instrument Date	Dec 31, 2016
Transaction Type	Mortgage
Record Updated	Feb 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10170 LORETTO ST SPRING HILL FL 346081743, SPRING HILL, FL 34608-1743

Mortgage

Document Number	0034290199
Date	Jan 9, 2017
Book Page	003429/000199
Instrument	1183

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 8, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 10170 Loretto St was $3,060 with an additional exemption.

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	$3,060.00 Additional exemption filed	$253,792	$614,720 Land $41,402 Building $573,318
2023		$239,455 (+3%) Land $239,455
2022	$3,035.00 Homeowner's exemption	$232,481	$653,524 Land $39,810 Building $613,714

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

Flood

FEMA maps place 10170 Loretto St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 10170 Loretto St is low, with a 0.03% annual chance of wildfire.

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.

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 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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