10398 Bedford Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 10398 Bedford Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,948 sqft · built 1989
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$102,000 (Oct 2015)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R24-223-17-2823-0000-0200`

Property Details

APN / Parcel Number

Primary APN	`R24-223-17-2823-0000-0200`
Alternative APNs	`01075801` `1075801`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,948 sqft Living Area
1st Floor Area	1,948 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	1,730 sqft
Deck Area	32 sqft
Patio Area	1,844 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01075801
Street Address	10398 BEDFORD RD
City	SPRING HILL
State	FL
Zip	34608-4909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD PARK LOT 20
Legal Range	17E
Legal Township	23S
Legal Section	24
Legal Subdivision	ORCHARD PARK
Legal Lot Number	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3002
Census Tract	41105

Owner

10398 Bedford Rd is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	10398 BEDFORD RD, SPRING HILL, FL 34608-4909
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
Dec 14, 2017	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA
Jun 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2015 · Amount on File
Deed Sale	Oct 9, 2015 · Amount on File
Prior Sale	Dec 19, 2014
Deed Document Number	2015058600
Deed Book / Page	3293 / 0677
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10398 BEDFORD RD, SPRING HILL, FL 34608-4909
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035350052
Date	Dec 14, 2017
Book Page	3535/0052
Instrument	2017070538

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	BROOKSVILLE, FL 34613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 30, 2027

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10398 BEDFORD RD, SPRING HILL, FL 34608-4909
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	CHICAGO TITLE BAKERSFIELD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035941002
Date	Jun 18, 2018
Book Page	3594/1002
Instrument	2018037075

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10398 BEDFORD RD, SPRING HILL, FL 34608-4909
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10398 BEDFORD RD, SPRING HILL, FL 34608-4909

Mortgage

Document Number	0038881208
Date	Sep 17, 2020
Book Page	3888/1208
Instrument	2020057314

Lender

Name	PNC BANK NA
Type	Bank
Address	PORT RICHEY, FL 34668

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	444 Months
Due	Sep 1, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 10398 Bedford Rd was $1,540 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	$1,540.00 Additional exemption filed	$147,343	$292,799 Land $70,227 Building $222,572
2023		$139,019 Land $139,019
2022	$1,510.00		$281,461 Land $58,523 Building $222,938

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

Flood

FEMA maps place 10398 Bedford Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
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

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 10398 Bedford Rd 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 98% of the US · lower than 97.6% 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 327 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 / 35

May also be available: Verizon.

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