10196 Gifford Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 10196 Gifford Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1986
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Sep 2024)
Tax Bill	$3,394 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5180-1249-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5180-1249-0050`
Alternative APNs	`00673033` `673033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,662 sqft Living Area
Gross Area	2,255 sqft
1st Floor Area	1,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00673033
Street Address	10196 GIFFORD DR
City	SPRING HILL
State	FL
Zip	34608-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 18 BLK 1249 LOT 5
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 18
Legal Block	1249
Legal Lot Number	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3003
Census Tract	41004

Owner

10196 Gifford Dr is owned and occupied by two individuals who bought it in September 2024.

Source: Hernando County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10196 GIFFORD DR, SPRING HILL, FL 34608-2725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2024 · Amount on File
Deed Sale	Sep 17, 2024 · Amount on File
Prior Sale	Aug 5, 2021 · Amount on File
Deed Document Number	202457831
Deed Book / Page	4470 / 820
Prior Transfer Date	Sep 4, 2024
Prior Transfer Doc	0044700820
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 5, 2021
Property Address	10196 GIFFORD DR, SPRING HILL, FL 34608-2725
Document Number	0040371052
Book / Page	4037 / 1052
Map Reference	MB 9 PG 47
Instrument Date	Jul 29, 2021
Instrument	2021058926
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,568.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6076 WAYCROSS DR, 6076, SPRING HILL, FL 34606-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10196 GIFFORD DR, SPRING HILL, FL 34608-2725

Mortgage

Document Number	40371054
Date	Aug 5, 2021
Instrument	4037/1054

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10196 Gifford Dr was $3,394.

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	$3,394.00	$228,786 Land $37,500 Building $191,286	$228,786 Land $37,500 Building $191,286
2023		$217,251 (+3%) Land $28,726 Building $188,525
2022	$2,698.00 Homeowner's exemption	$210,923 Land $26,400 Building $184,523	$220,052 Land $29,000 Building $191,052

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

Flood

FEMA maps place 10196 Gifford Dr 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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 10196 Gifford Dr 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 99.1% of the US · lower than 98.7% 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 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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