Hernando County property record for 10285 Cara St, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,429 sqft · built 2024 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $292,000 (Jan 2024) |
| Tax Bill | $3,324 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Aug 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5090-0533-0200 |
| Primary APN | R32-323-17-5090-0533-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,429 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| 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 80 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00284061 |
|---|---|
| Street Address | 10285 CARA ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-4914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 9 BLK 533 LOT 20 OR 334 PG 103 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 19 |
| Legal Subdivision | SPRING HILL UN 9 |
| Legal Block | 533 |
| Legal Lot Number | 20 |
| Legal Unit | 9 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 41105 |
Source: Hernando County records · APN R32-323-17-5090-0533-0200
Assessment roll updated October 31, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 10285 CARA ST, SPRING HILL, FL 34608-4914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2024 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Aug 08, 2023 | Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Jun 20, 2023 | Warranty Deed, Transfer EXECUTIVE TITLE I INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 29, 2024 · Amount on Record |
| Deed Sale | Jan 29, 2024 · Amount on Record |
| Prior Sale | Aug 08, 2023 · Amount on Record |
| Deed Document Number | 2024005861 |
| Deed Book / Page | 4387 / 129 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jan 29, 2024 |
| Property Address | 10285 CARA ST, SPRING HILL, FL 34608-4914 |
| Document Number | 0043870129 |
| Book / Page | 4387 / 129 |
| Map Reference | MB 8 PG 38-53 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024005861 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | PARKWAY TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,044.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR # DR300, DR300, PEACHTREE CORNERS, GA 30071-1143 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10285 CARA ST, SPRING HILL, FL 34608-4914 |
| Document Number | 0004387131 |
|---|---|
| Date | Jan 29, 2024 |
| Instrument | 4387/131 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Number | 0043870145 |
|---|---|
| Date | Jan 29, 2024 |
| Book Page | 4387/145 |
| Instrument | 2024005863 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 08, 2023 |
| Property Address | 10285 CARA ST, SPRING HILL, FL 34608-4914 |
| Document Number | 0043290319 |
| Book / Page | 4329 / 319 |
| Map Reference | MB 8 PG 38-53 |
| Instrument Date | Aug 01, 2023 |
| Instrument | 2023049349 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $272.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 755 CRANDON BLVD, KEY BISCAYNE, FL 33149-2597 |
| Name | Verified Name |
|---|---|
| Address | 3091 GOVERNORS LAKE DR STE 300, 300, PEACHTREE CORNERS, GA 30071-1133 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 20, 2023 |
| Property Address | 10285 CARA ST, SPRING HILL, FL 34608-4914 |
| Document Number | 0043100369 |
| Book / Page | 4310 / 369 |
| Map Reference | MB 8 PG 38-53 |
| Instrument Date | Jun 03, 2023 |
| Instrument | 2023037486 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | EXECUTIVE TITLE I INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $210.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92 COUNTRY VILLAGE RD, JERSEY CITY, NJ 07305-1242 |
| Name | Verified Name |
|---|---|
| Address | 755 CAANDON BLVD STE 8 STE 8, 8, KEY BISCAYNE, FL 33149 |
| Investor | Possibly a Property Investor |
Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,324.00 (+1,019.19%) Additional exemption filed | $272,304 (+2,013.51%) Land $42,000 Building $230,304 | $272,304 (+838.98%) Land $42,000 Building $230,304 |
| 2023 | $12,884 (-45.17%) | ||
| 2022 | $297.00 | $23,500 Land $23,500 | $29,000 Land $29,000 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Global Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Based on FCC filings for 387 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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