10368 Lacy St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10368 Lacy St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,648 sqft · built 1983
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2021)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0540-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0540-0200`
Alternative APNs	`00490098` `490098`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,648 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	125 ft deep x 116 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	297 sqft
Patio Area	32 sqft
Shed	1 Shed
Shed Area	180 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00490098
Street Address	10368 LACY ST
City	SPRING HILL
State	FL
Zip	34608-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 540 LOT 20
Legal Range	18E
Legal Township	23S
Legal Section	19
Legal Subdivision	SPRING HILL UN 9
Legal Block	540
Legal Lot Number	20
Legal Unit	9
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1021
Census Tract	41106

Owner

10368 Lacy St is owned and occupied by an individual who bought it in September 2021.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10368 LACY ST, SPRING HILL, FL 34608-4846
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Sep 14, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on File
Deed Sale	Sep 14, 2021 · Amount on File
Deed Document Number	2021069193
Deed Book / Page	4055 / 790
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10368 LACY ST, SPRING HILL, FL 34608-4846
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10368 LACY ST, SPRING HILL, FL 34608-4846

Mortgage

Document Number	0046371604
Date	Nov 24, 2025
Book Page	4637/1604
Instrument	2025080962

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 5, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 14, 2021
Property Address	10368 LACY ST, SPRING HILL, FL 34608-4846
Document Number	0040550790
Book / Page	4055 / 790
Map Reference	MB 8 PG 38
Instrument Date	Sep 10, 2021
Instrument	2021069193
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2445 EVENGLOW AVE, 2445, SPRING HILL, FL 34609-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10368 LACY ST, SPRING HILL, FL 34608-4846

Mortgage

Document Number	4055792
Date	Sep 14, 2021
Instrument	4055/792

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 10368 Lacy St was $2,840 with an additional exemption.

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	$2,840.00 Additional exemption filed	$238,375	$248,765 Land $55,611 Building $193,154
2023		$224,910 Land $38,586 Building $186,324
2022	$2,814.00		$231,767 Land $38,398 Building $193,369

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

Flood

FEMA maps place 10368 Lacy St 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 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

Wildfire risk around 10368 Lacy St 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 99.8% 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 330 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.

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