10196 Bedford Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 10196 Bedford Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1981
Lot Size	0.306 acres (13,310 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Oct 2023)
Tax Bill	$691 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0456-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0456-0120`
Alternative APNs	`00278318` `278318`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,794 sqft
1st Floor Area	1,248 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,310 sqft (0.306 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	390 sqft
Porch	Open Porch
Porch Area	933 sqft
Deck Area	150 sqft
Patio Area	438 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00278318
Street Address	10196 BEDFORD RD
City	SPRING HILL
State	FL
Zip	34608-5814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 456 LOT 12 ORB 355 PG 308
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	456
Legal Lot Number	12
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3019
Census Tract	41105

Owner

Source: Hernando County records, as of March 27, 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	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit GROW FINANCIAL FCU
Feb 8, 2021	Warranty Deed, Transfer · FHA Mortgage HAMILTON HOME LOANS INC
May 12, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2018	Intrafamily Transfer, Transfer · Line of Credit GROW FINANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Feb 8, 2021 · Amount on Record
Deed Document Number	202369205
Deed Book / Page	4359 / 1042
Prior Transfer Date	May 11, 2018
Prior Transfer Doc	0035861585
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 30, 2023
Property Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Document Number	0043591042
Book / Page	4359 / 1042
Map Reference	MB 8 PG 27-37
Instrument Date	Oct 27, 2023
Instrument	2023069205
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 HAMPTON AVE, SCHENECTADY, NY 12309-6140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814

Mortgage

Document Number	0043591044
Date	Oct 30, 2023
Instrument	4359/1044

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036311325
Date	Oct 10, 2018
Book Page	3631/1325
Instrument	2018061644

Lender

Name	GROW FINANCIAL FCU
Type	Credit Union
Address	TAMPA, FL 33619

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	236 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 8, 2021
Property Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Document Number	0039491243
Book / Page	3949 / 1243
Map Reference	MB 8 PG 27
Instrument Date	Feb 5, 2021
Instrument	2021008266
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 CREAMERY RD, 66, OSWEGO, NY 13126-6159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814

Mortgage

Document Number	39491245
Date	Feb 8, 2021
Instrument	3949/1245

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 12, 2020
Property Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Document Number	0038381952
Book / Page	3838 / 1952
Map Reference	MB 8 PG 27
Instrument Date	May 11, 2020
Instrument	2020028662
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11203 CREEK HAVEN DR, 11203, RIVERVIEW, FL 33569-6209

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814

Mortgage

Document Number	38381954
Date	May 12, 2020
Instrument	3838/1954

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	May 23, 2018
Property Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814
Document Number	0035861585
Book / Page	3586 / 1585
Map Reference	MB8 PG27-37
Instrument Date	May 11, 2018
Instrument	2018031936
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	MAJESTY TITLE SERVICE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106196 BEDFORD RD, 106196, SPRING HILL, FL 34608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10196 BEDFORD RD, SPRING HILL, FL 34608-5814

Mortgage

Document Number	2018031937
Date	May 23, 2018
Instrument	2018031937

Lender

Name	GROW FINANCIAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$691.00 (+1.62%)	$182,906 (+5.64%)	$183,031 (+3.59%) Land $43,877 Building $139,154
2024	$680.00 (-66.47%)
2023		$173,133 (+3%) Land $52,544 Building $120,589
2022	$2,028.00 Homeowner's exemption	$168,090 Land $30,081 Building $138,009	$176,689 Land $39,703 Building $136,986

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	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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