10424 Monarch St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10424 Monarch St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,871 sqft · built 1994
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$369,900 (Jan 2022)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5150-0947-0010`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5150-0947-0010`
Alternative APNs	`00298494` `298494`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,871 sqft Living Area
1st Floor Area	1,871 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2009
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 115 ft wide
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	1,636 sqft
Deck Area	144 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00298494
Street Address	10424 MONARCH ST
City	SPRING HILL
State	FL
Zip	34608-4246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 15 BLK 947 LOT 1
Legal Range	18E
Legal Township	23S
Legal Section	19
Legal Subdivision	SPRING HILL UNIT 15
Legal Block	947
Legal Lot Number	1
Legal Unit	15
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1033
Census Tract	41105

Owner

10424 Monarch St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
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
Jan 18, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 18, 2022	Warranty Deed, Transfer CAPSTONE TITLE LLC
Sep 10, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jan 23, 2017	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Jan 18, 2022
Deed Document Number	2022004570
Deed Book / Page	4114 / 1550
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 18, 2022
Property Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0041141550
Book / Page	4114 / 1550
Map Reference	MB 9 PG 10
Instrument Date	Jan 14, 2022
Instrument	2022004570
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10424 MONARCH ST, 10424, SPRING HILL, FL 34608-4246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246

Mortgage

Document Number	0041141552
Date	Jan 18, 2022
Instrument	4114/1552

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 18, 2022
Property Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0041141545
Book / Page	4114 / 1545
Map Reference	MB 9 PG 10
Instrument Date	Jan 12, 2022
Instrument	2022004567
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	CAPSTONE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9782 W WOODHAVEN DR, 9782, CRYSTAL RIVER, FL 34428-6401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0036271737
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10424 MONARCH ST SPRING HILL FL 346084246, SPRING HILL, FL 34608-4246

Mortgage

Document Number	0036271737
Date	Sep 28, 2018
Book Page	003627/001737
Instrument	59095

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0035201837
Book / Page	003520 / 001837
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9782 W WOODHAVEN DR CRYSTAL RIVER FL 344286401, CRYSTAL RIVER, FL 34428-6401

Mortgage

Document Number	0035201837
Date	Oct 31, 2017
Book Page	003520/001837
Instrument	61589

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10424 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0034341392
Book / Page	003434 / 001392
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10424 MONARCH ST SPRING HILL FL 346084246, SPRING HILL, FL 34608-4246

Mortgage

Document Number	0034341392
Date	Jan 30, 2017
Book Page	003434/001392
Instrument	5195

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10424 Monarch St was $4,382 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	$4,382.00 Additional exemption filed	$351,404 Land $48,135 Building $303,269	$351,404 Land $48,135 Building $303,269
2023		$342,011 Land $57,178 Building $284,833
2022	$4,517.00		$342,011 Land $39,732 Building $302,279

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

Flood

FEMA maps place 10424 Monarch St in Zone X, an area of minimal flood risk.

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	7 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 10424 Monarch 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 390 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: AT&T.

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