10404 Belltower St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10404 Belltower St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,105 sqft · built 1984
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Nov 2022)
Tax Bill	$680 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5180-1185-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5180-1185-0110`
Alternative APNs	`00659479` `659479`

Interior

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
1st Floor Area	1,105 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1997
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 72 ft wide
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	1,373 sqft
Deck Area	72 sqft
Patio Area	552 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00659479
Street Address	10404 BELLTOWER ST
City	SPRING HILL
State	FL
Zip	34608-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 18 BLK 1185 LOT 11
Legal Range	18E
Legal Township	23S
Legal Section	07
Legal Subdivision	SPRING HILL UNIT 18
Legal Block	1185
Legal Lot Number	11
Legal Unit	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2019
Census Tract	41004

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10404 BELLTOWER ST, SPRING HILL, FL 34608-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Warranty Deed, Transfer · FHA Mortgage GOLDWATER BANK NA
Jan 2, 2018	Warranty Deed, Transfer KEYSTONE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	2022081989
Deed Book / Page	4240 / 994
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 15, 2022
Property Address	10404 BELLTOWER ST, SPRING HILL, FL 34608-2007
Document Number	0042400994
Book / Page	4240 / 994
Map Reference	MB 9 PG 47-59
Instrument Date	Oct 4, 2022
Instrument	2022081989
Transaction Type	Transfer
Record Updated	Dec 15, 2022
Title Company	TITLE US LLC, TITLE USA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1590 MADISON AVE # AVE21G, AVE21G, NEW YORK, NY 10029-3816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10404 BELLTOWER ST, SPRING HILL, FL 34608-2007

Mortgage

Document Number	0004240995
Date	Nov 15, 2022
Instrument	4240/995

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 2, 2018
Property Address	10404 BELLTOWER ST, SPRING HILL, FL 34608-2007
Document Number	0035390563
Book / Page	003539 / 000563
Instrument Date	Dec 20, 2017
Instrument	2
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	KEYSTONE TITLE

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10404 BELLTOWER ST SPRING HILL FL 346082007, SPRING HILL, FL 34608-2007

Tax Assessment & Valuation

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		$172,426 (+5.32%)	$173,319 (+5.87%) Land $43,330 Building $129,989
2024	$680.00 (-62.41%)
2023		$163,716 (+17.95%) Land $47,103 Building $116,613
2022	$1,809.00	$138,799 Land $30,505 Building $108,294	$163,716 Land $33,509 Building $130,207

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
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

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 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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