10440 Monarch St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10440 Monarch St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,249 sqft · built 1984
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Nov 2016)
Tax Bill	$1,457 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5150-0947-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5150-0947-0030`
Alternative APNs	`00588849` `588849`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,249 sqft Living Area
Gross Area	1,898 sqft
1st Floor Area	1,249 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
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	425 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	224 sqft
Deck Area	100 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00588849
Street Address	10440 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 3
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 15
Legal Block	947
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1033
Census Tract	41105

Owner

Source: Hernando County records, as of May 21, 2026

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
Mailing Address	10440 MONARCH ST, SPRING HILL, FL 34608-4246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2016 · Amount on Record
Deed Sale	Nov 23, 2016 · Amount on Record
Prior Sale	Sep 12, 2000 · Amount on Record
Deed Document Number	201664723
Deed Book / Page	3416 / 1069
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10440 MONARCH ST, SPRING HILL, FL 34608-4246
Transaction Type	Mortgage
Record Updated	Nov 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 MONARCH ST, SPRING HILL, FL 34608-4246

Mortgage

Document Number	0046261909
Date	Oct 28, 2025
Book Page	4626/1909
Instrument	2025074495

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10440 MONARCH ST, SPRING HILL, FL 34608-4246
Document Number	0039170301
Instrument Date	Dec 10, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10440 MONARCH ST SPRING HILL FL 346084246, SPRING HILL, FL 34608-4246

Mortgage

Document Number	0039170301
Date	Dec 17, 2020
Book Page	003917/000301
Instrument	79131

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

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	$1,457.00 (+99.04%) Homeowner's exemption	$93,073 (+5.99%)	$201,539 (+3.51%) Land $37,500 Building $164,039
2023		$87,816 Land $87,816
2022	$732.00		$194,699 Land $31,000 Building $163,699

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
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

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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