10344 Bannock St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10344 Bannock St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1981
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$251,000 (Jul 2023)
Tax Bill	$2,047 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5080-0436-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5080-0436-0060`
Alternative APNs	`00274919` `274919`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	156 ft deep x 80 ft wide
Garage Area	322 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	330 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00274919
Street Address	10344 BANNOCK ST
City	SPRING HILL
State	FL
Zip	34608-6613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 8 BLK 436 LOT 6 ORB 357 PG 980
Legal Range	18E
Legal Township	23S
Legal Section	30
Legal Subdivision	SPRING HILL UN 8
Legal Block	436
Legal Lot Number	6
Legal Unit	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	4
Census Block	4022
Census Tract	40901

Owner

Source: Hernando County records, as of December 10, 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	10344 BANNOCK ST, SPRING HILL, FL 34608-6613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC
Oct 21, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Oct 21, 2022
Deed Document Number	2023047343
Deed Book / Page	4325 / 834
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 31, 2023
Property Address	10344 BANNOCK ST, SPRING HILL, FL 34608-6613
Document Number	0043250834
Book / Page	4325 / 834
Map Reference	MB 8 PG 27-37
Instrument Date	Jul 31, 2023
Instrument	2023047343
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	HOMES & LAND TTL SVCS OF HER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2024 MICHAEL DR, STERLING HEIGHTS, MI 48310-3571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10344 BANNOCK ST, SPRING HILL, FL 34608-6613

Mortgage

Document Number	0004325835
Date	Jul 31, 2023
Instrument	4325/835

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0043250848
Date	Jul 31, 2023
Book Page	4325/848
Instrument	2023047345

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Oct 21, 2022
Property Address	10344 BANNOCK ST, SPRING HILL, FL 34608-6613
Document Number	0042330299
Book / Page	4233 / 299
Map Reference	MB 8 PG 27-37
Instrument Date	Oct 17, 2022
Instrument	2022077294
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3321 SQUIRREL RD, 3321, BLOOMFIELD, MI 48304-2456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2024 MICHAEL DR, STERLING HEIGHTS, MI 48310-3571

Tax Assessment & Valuation

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	$2,047.00 (-23.56%) Additional exemption filed	$182,894 (+3.71%)	$184,460 (+4.6%) Land $51,123 Building $133,337
2023		$176,352 (+212.19%) Land $48,365 Building $127,987
2022	$2,678.00 Homeowner's exemption	$56,488	$176,352 Land $46,151 Building $130,201

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
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	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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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