10186 Henderson St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10186 Henderson St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,338 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (May 2022)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	May 2022 Sale Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0431-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0431-0060`
Alternative APNs	`00274107` `274107`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
1st Floor Area	1,338 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 81 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	176 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00274107
Street Address	10186 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 6 ORB 342 PG 979
Legal Range	17E
Legal Township	23S
Legal Section	25
Legal Subdivision	SPRING HILL UN 8
Legal Block	431
Legal Lot Number	6
Legal Unit	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3023
Census Tract	40901

Owner

10186 Henderson St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10186 HENDERSON ST, SPRING HILL, FL 34608-6665
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
May 10, 2022	Warranty Deed, Transfer GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC
Aug 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on File
Deed Sale	May 10, 2022 · Amount on File
Prior Sale	May 27, 2004
Deed Document Number	2022036621
Deed Book / Page	4169 / 324
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 10, 2022
Property Address	10186 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0041690324
Book / Page	4169 / 324
Map Reference	MB 8 PG 27
Instrument Date	May 6, 2022
Instrument	2022036621
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$1,679.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 W ALTA RD APT 3601, 2401, PEORIA, IL 61615-4617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 HENDERSON ST, SPRING HILL, FL 34608-6665

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10186 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0037410482
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10186 HENDERSON ST SPRING HILL FL 346086665, SPRING HILL, FL 34608-6665

Mortgage

Document Number	0037410482
Date	Aug 19, 2019
Book Page	003741/000482
Instrument	51899

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48266-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 18, 2034

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10186 HENDERSON ST, SPRING HILL, FL 34608-6665
Document Number	0036720749
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76186 HENDERSON ST SPRING HILL FL 34608, SPRING HILL, FL 34608

Mortgage

Document Number	0036720749
Date	Feb 20, 2019
Book Page	003672/000749
Instrument	10456

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10186 Henderson St was $3,483.

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	$3,483.00	$244,036 Land $38,737 Building $205,299	$244,036 Land $38,737 Building $205,299
2023		$234,162 (+197.91%) Land $37,284 Building $196,878
2022	$3,556.00 Homeowner's exemption	$78,601	$234,162 Land $35,023 Building $199,139

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 10186 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 10186 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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