10246 Bannister St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10246 Bannister St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 973 sqft · built 1979
Lot Size	0.23 acres (9,996 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Apr 2025)
Tax Bill	$1,780 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0438-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0438-0070`
Alternative APNs	`00275302` `275302`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	973 sqft Living Area
Gross Area	1,627 sqft
1st Floor Area	973 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,996 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Porch
Porch Area	316 sqft
Patio Area	72 sqft
Utility Building	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00275302
Street Address	10246 BANNISTER ST
City	SPRING HILL
State	FL
Zip	34608-6607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 438 LOT 7 ORB 356 PG 658
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 8
Legal Block	438
Legal Lot Number	7
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3002
Census Tract	40901

Owner

Source: Hernando County records, as of December 8, 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	7620 FOX HOLLOW DR, PORT RICHEY, FL 34668-4011
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Nov 2, 2022 · Amount on Record
Deed Document Number	202528012
Deed Book / Page	4550 / 1044
Prior Transfer Date	Feb 9, 2018
Prior Transfer Doc	0035550543
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 2, 2022
Property Address	10246 BANNISTER ST, SPRING HILL, FL 34608-6607
Document Number	0042361874
Book / Page	4236 / 1874
Map Reference	MB 8 PG 27
Instrument Date	Oct 18, 2022
Instrument	2022079769
Transaction Type	Transfer
Record Updated	Dec 1, 2022
Title Company	SCARAB T&E SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18150 MACEK RD, 18150, WEEKI WACHEE, FL 34614-0419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10246 BANNISTER ST, SPRING HILL, FL 34608-6607

Mortgage

Document Number	0042361876
Date	Nov 2, 2022
Instrument	4236/1876

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10246 BANNISTER ST, SPRING HILL, FL 34608-6607
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10246 BANNISTER ST, SPRING HILL, FL 34608-6607

Mortgage

Document Number	0041330841
Date	Feb 28, 2022
Book Page	4133/841
Instrument	2022015458

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$1,780.00 (+68.4%)	$115,721 (+5.99%)	$156,121 (+6.58%) Land $36,485 Building $119,636
2023		$109,184 (+23.97%) Land $109,184
2022	$1,057.00 Homeowner's exemption	$88,074	$146,478 Land $32,987 Building $113,491

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

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

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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