10403 Keystone St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10403 Keystone St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,146 sqft · built 1985
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,900 (Aug 2023)
Tax Bill	$1,776 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1161-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1161-0200`
Alternative APNs	`00627824` `627824`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	1,146 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Screened Porch
Porch Area	1,122 sqft
Deck Area	112 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00627824
Street Address	10403 KEYSTONE ST
City	SPRING HILL
State	FL
Zip	34608-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1161 LOT 20
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1161
Legal Lot Number	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3031
Census Tract	41004

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 6, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on Record
Deed Sale	Aug 3, 2023 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	202348701
Deed Book / Page	4327 / 1948
Prior Transfer Date	Jul 12, 2023
Prior Transfer Doc	0043271948
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 3, 2023
Property Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315
Document Number	0043271948
Book / Page	4327 / 1948
Map Reference	MB 9 PG 31-46
Instrument Date	Jul 12, 2023
Instrument	2023048701
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$763.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315

Mortgage

Document Number	0043271950
Date	Aug 3, 2023
Instrument	4327/1950

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315

Mortgage

Document Number	0041101650
Date	Jan 7, 2022
Book Page	4110/1650
Instrument	2022002181

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 6, 2018
Property Address	10403 KEYSTONE ST, SPRING HILL, FL 34608-3315
Document Number	0036001944
Book / Page	003600 / 001944
Instrument Date	Jun 29, 2018
Instrument	41143
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	TALON TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10403 KEYSTONE ST SPRING HILL FL 346083315, SPRING HILL, FL 34608-3315

Mortgage

Document Number	36001946
Date	Jul 6, 2018
Book Page	003600/001946
Instrument	41144

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

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	$1,776.00 (+81.97%)	$115,389 (+5.99%)	$196,505 (+2.12%) Land $40,500 Building $156,005
2023		$108,871 (+3%) Land $108,871
2022	$976.00 Homeowner's exemption	$105,700	$192,418 Land $36,000 Building $156,418

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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