Hernando County property record for 10396 Belltower St, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,105 sqft · built 1984 |
| Lot Size | 0.279 acres (12,161 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,400 (Apr 2015) |
| Tax Bill | $1,288 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5180-1185-0100 |
| Primary APN | R32-323-17-5180-1185-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,105 sqft Living Area |
| Gross Area | 1,802 sqft |
| 1st Floor Area | 1,105 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,161 sqft (0.279 acres) |
| Lot Dimensions | 125 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 288 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 961 sqft |
| Deck Area | 192 sqft |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00659460 |
|---|---|
| Street Address | 10396 BELLTOWER ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-2005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 18 BLK 1185 LOT 10 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 18 |
| Legal Block | 1185 |
| Legal Lot Number | 10 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 41004 |
10396 Belltower St is owned and occupied by two individuals who acquired it in June 2025.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10396 BELLTOWER ST, SPRING HILL, FL 34608-2005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2015 · Amount on File |
| Deed Sale | Apr 16, 2015 · Amount on File |
| Deed Document Number | 201522509 |
| Deed Book / Page | 3212 / 723 |
| Last Transfer Date | Jun 11, 2025 |
| Transfer Doc | 0045741135 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 10396 BELLTOWER ST, SPRING HILL, FL 34608-2005 |
| Document Number | 0036040686 |
| Instrument Date | Jul 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 10396 BELLTOWER ST SPRING HILL FL 346082005, SPRING HILL, FL 34608-2005 |
| Document Number | 0036040686 |
|---|---|
| Date | Jul 17, 2018 |
| Book Page | 003604/000686 |
| Instrument | 43083 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 10396 Belltower St was $1,288.
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,288.00 | $81,220 | $193,182 Land $45,604 Building $147,578 |
| 2023 | $76,632 (+3%) Land $76,632 | ||
| 2022 | $562.00 Homeowner's exemption | $74,400 | $183,450 Land $35,267 Building $148,183 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10396 Belltower 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 | 8 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 risk around 10396 Belltower 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 414 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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