10448 Maderia St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10448 Maderia St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,692 sqft · built 1989
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Sep 2021)
Tax Bill	$4,108 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0516-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0516-0020`
Alternative APNs	`00282161` `282161`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
Gross Area	2,446 sqft
1st Floor Area	1,692 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2003
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	340 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00282161
Street Address	10448 MADERIA ST
City	SPRING HILL
State	FL
Zip	34608-4961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL 9 BLK 516 LOT 2 OR 360 PG 843
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	516
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1037
Census Tract	41106

Owner

10448 Maderia St is owned and occupied by an individual who bought it in September 2021.

Source: Hernando County records, as of January 14, 2026

Owner of Record	Individual Name on File
Mailing Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961
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 6, 2026	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Sep 13, 2021	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 7, 2021	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
May 9, 2018	Deed of Trust, Mortgage · FHA Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Aug 1, 2016 · Amount on File
Deed Document Number	202168863
Deed Book / Page	4054 / 1748
Prior Transfer Date	Aug 2, 2016
Prior Transfer Doc	0033851916
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961

Mortgage

Document Number	0046540997
Date	Jan 6, 2026
Book Page	4654/997
Instrument	2026000748

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 13, 2021
Property Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961
Document Number	0040541748
Book / Page	4054 / 1748
Map Reference	MB 8 PG 38-53
Instrument Date	Sep 13, 2021
Instrument	2021068863
Transaction Type	Transfer
Record Updated	Oct 8, 2021
Title Company	KEYSTONE TITLE, KEYSTONE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 E WILLOW ST, 200, CLEVER, MO 65631-7100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961

Mortgage

Document Number	40541750
Date	Sep 13, 2021
Instrument	4054/1750

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961

Mortgage

Document Number	0039941712
Date	May 7, 2021
Book Page	3994/1712
Instrument	2021033978

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10448 MADERIA ST, SPRING HILL, FL 34608-4961
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035811308
Date	May 9, 2018
Book Page	3581/1308
Instrument	2018028268

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10448 Maderia St was $4,108 with a homeowner's exemption.

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	$4,108.00 Homeowner's exemption	$278,782	$282,920 Land $42,000 Building $240,920
2023		$263,034 Land $26,935 Building $236,099
2022	$3,393.00		$269,232 Land $29,000 Building $240,232

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

Flood

FEMA maps place 10448 Maderia 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	9 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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

The area around 10448 Maderia St has no burnable land within ember reach, so its wildfire risk is not rated.

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 387 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

May also be available: AT&T, Verizon.

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