10182 Bannister St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10182 Bannister St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,369 sqft · built 1979
Lot Size	0.313 acres (13,616 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Apr 2019)
Tax Bill	$1,744 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0439-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0439-0120`
Alternative APNs	`00275632` `275632`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,369 sqft Living Area
Gross Area	2,211 sqft
1st Floor Area	1,369 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,616 sqft (0.313 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	358 sqft
Patio Area	24 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00275632
Street Address	10182 BANNISTER ST
City	SPRING HILL
State	FL
Zip	34608-6603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 439 LOT 12
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	439
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3003
Census Tract	40901

Owner

10182 Bannister St is owned and occupied by two individuals who bought it in April 2019.

Source: Hernando County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603
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
Feb 22, 2022	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 27, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Apr 29, 2019	Warranty Deed, Transfer · VA Mortgage E LOANS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on File
Deed Sale	Apr 29, 2019 · Amount on File
Prior Sale	May 5, 2015 · Amount on File
Deed Document Number	201925749
Deed Book / Page	3696 / 1969
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603

Mortgage

Document Number	0041301626
Date	Feb 22, 2022
Book Page	4130/1626
Instrument	2022013930

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038111934
Date	Feb 27, 2020
Book Page	3811/1934
Instrument	2020013128

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 29, 2019
Property Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603
Document Number	0036961969
Book / Page	3696 / 1969
Map Reference	MB 8 PG 27-37
Instrument Date	Apr 22, 2019
Instrument	2019025749
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14208 PROSPECT ST, 14208, SPRING HILL, FL 34609-5303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10182 BANNISTER ST, SPRING HILL, FL 34608-6603

Mortgage

Document Number	0036961971
Date	Apr 29, 2019
Instrument	3696/1971

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10182 Bannister St was $1,744 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	$1,744.00 Homeowner's exemption	$113,155	$227,578 Land $47,248 Building $180,330
2023		$106,763 (+3%) Land $106,763
2022	$1,020.00 Homeowner's exemption	$103,653	$218,343 Land $42,754 Building $175,589

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

Flood

FEMA maps place 10182 Bannister St 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	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

The area around 10182 Bannister St has no burnable land within ember reach, so its wildfire risk is not rated.

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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