10395 Keystone St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10395 Keystone St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,432 sqft · built 1985
Lot Size	0.255 acres (11,116 sqft)
Owner	2 Individual Names on File
Last Sale	$73,000 (Aug 2000)
Tax Bill	$1,238 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1161-0210`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1161-0210`
Alternative APNs	`00627833` `627833`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,432 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	1,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,116 sqft (0.255 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	646 sqft
Porch	Screened Porch
Porch Area	1,680 sqft
Deck Area	187 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00627833
Street Address	10395 KEYSTONE ST
City	SPRING HILL
State	FL
Zip	34608-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1161 LOT 21
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1161
Legal Lot Number	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3031
Census Tract	41004

Owner

10395 Keystone St is owned and occupied by two individuals who acquired it in October 2022.

Source: Hernando County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA CENTRAL CU
Oct 7, 2022	Intrafamily Transfer, Transfer
Jan 9, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 24, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2000 · Amount on File
Deed Sale	Aug 17, 2000 · Amount on File
Prior Sale	Feb 12, 1997
Deed Book / Page	1359 / 823
Last Transfer Date	Oct 7, 2022
Transfer Doc	0042271723
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313

Mortgage

Document Number	0042441098
Date	Nov 30, 2022
Book Page	4244/1098
Instrument	2022084751

Lender

Name	FLORIDA CENTRAL CU
Type	Credit Union
Address	TAMPA, FL 33679

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2037

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Oct 7, 2022
Property Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313
Document Number	0042271723
Book / Page	4227 / 1723
Map Reference	MB 9 PG 31-46
Instrument Date	Oct 7, 2022
Instrument	2022073915
Transaction Type	Transfer
Record Updated	Nov 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10395 KEYSTONE ST, 10395, SPRING HILL, FL 34608-3313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313
Document Number	0038001419
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10395 KEYSTONE ST SPRING HILL FL 346083313, SPRING HILL, FL 34608-3313

Mortgage

Document Number	0038001419
Date	Jan 29, 2020
Book Page	003800/001419
Instrument	6014

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 28, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10395 KEYSTONE ST, SPRING HILL, FL 34608-3313
Document Number	0036081931
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10395 KEYSTONE ST SPRING HILL FL 346083313, SPRING HILL, FL 34608-3313

Mortgage

Document Number	0036081931
Date	Jul 31, 2018
Book Page	003608/001931
Instrument	46388

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 30, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 10395 Keystone St was $1,238 with a homeowner's exemption.

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	$1,238.00 Homeowner's exemption	$77,711	$202,418 Land $45,020 Building $157,398
2023		$73,321 (+3%) Land $73,321
2022	$527.00 Homeowner's exemption	$71,185	$197,574 Land $40,018 Building $157,556

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

Flood

FEMA maps place 10395 Keystone 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
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

The area around 10395 Keystone St has no burnable land within ember reach, so its wildfire risk is not rated.

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 412 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Tillman Fiber.

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