10185 Bedford Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 10185 Bedford Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 1979
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2017)
Tax Bill	$938 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0455-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0455-0070`
Alternative APNs	`00413494` `413494`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	128 ft deep x 129 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	256 sqft
Patio Area	72 sqft
Utility Building	242 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00413494
Street Address	10185 BEDFORD RD
City	SPRING HILL
State	FL
Zip	34608-5816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 455 LOT 7
Legal Range	17E
Legal Township	23S
Legal Section	25
Legal Subdivision	SPRING HILL UN 8
Legal Block	455
Legal Lot Number	7
Legal Unit	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3020
Census Tract	41105

Owner

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

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	10185 BEDFORD RD, SPRING HILL, FL 34608-5816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Oct 30, 2019	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Dec 4, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDFLORIDA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Prior Sale	Mar 30, 2011 · Amount on Record
Deed Document Number	2017067830
Deed Book / Page	3530 / 1849
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10185 BEDFORD RD, SPRING HILL, FL 34608-5816
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041641469
Date	May 3, 2022
Book Page	4164/1469
Instrument	2022033836

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10185 BEDFORD RD, SPRING HILL, FL 34608-5816
Document Number	0037710757
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 BEDFORD RD SPRING HILL FL 346085816, SPRING HILL, FL 34608-5816

Mortgage

Document Number	0037710757
Date	Nov 7, 2019
Book Page	003771/000757
Instrument	70586

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 6, 2029

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 4, 2017
Property Address	10185 BEDFORD RD, SPRING HILL, FL 34608-5816
Document Number	0035301849
Book / Page	003530 / 001849
Instrument Date	Nov 20, 2017
Instrument	67830
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	MIDFLORIDA TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10185 BEDFORD RD BROOKSVILLE FL 346085816, BROOKSVILLE, FL 34608-5816

Mortgage

Document Number	35301850
Date	Dec 4, 2017
Book Page	003530/001850
Instrument	67831

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2047

Tax Assessment & Valuation

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	$938.00 (+9.84%) Additional exemption filed	$105,181 (+9.73%)	$228,887 (+8.23%) Land $51,300 Building $177,587
2023		$95,856 (+3%) Land $95,856
2022	$854.00 Homeowner's exemption	$93,064	$211,474 Land $46,287 Building $165,187

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	9 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2016 · other causes

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	Low lower than 99.8% of the US · lower than 99.7% 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 327 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: Verizon.

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