10412 Belltower St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10412 Belltower St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,236 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$134,500 (Jul 2009)
Tax Bill	$1,572 (2022)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5180-1185-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5180-1185-0120`
Alternative APN	`659488`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,236 sqft Living Area
Flooring	Carpet

Exterior

Year Built	Built 2006
Exterior Material	Block
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Pool Area	352 sqft
Porch	Open Porch
Patio Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C

Location & Zoning

Street Address	10412 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 12
Legal Subdivision	SPRING HILL UNIT 18
Legal Block	1185
Legal Lot Number	12
Legal Unit	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2019
Census Tract	41004

Owner

10412 Belltower St is owned by a company that bought it in July 2009.

Source: Hernando County records, as of February 12, 2024

Owner of Record	Company Name on File
Owner Type	Company

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
Apr 6, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 6, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2009 · Amount on File
Deed Sale	Jul 16, 2009 · Amount on File
Prior Sale	Jun 3, 2009 · Amount on File
Deed Document Number	2009037264
Deed Book / Page	2668 / 1195
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Apr 6, 2026
Property Address	10412 BELLTOWER ST, SPRING HILL, FL 34608-2007
Document Number	0000022204
Book / Page	4691 / 62
Instrument Date	Apr 1, 2026
Instrument	202622204
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TROPIC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10412 BELLTOWER ST, SPRING HILL, FL 34608-2007
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022204,
Date	Apr 6, 2026
Book Page	4691/62
Instrument	202622204

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 6, 2026
Property Address	10412 BELLTOWER ST, SPRING HILL, FL 34608-2007
Document Number	0000022203
Book / Page	4691 / 60
Instrument Date	Apr 1, 2026
Instrument	2026.22203
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10412 BELLTOWER ST, SPRING HILL, FL 34608-2007
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022203,
Date	Apr 6, 2026
Book Page	4691/62
Instrument	2026.22203

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 2023

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Flood

FEMA maps place 10412 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

Wildfire risk around 10412 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.

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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