10451 Fordham St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10451 Fordham St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,110 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$236,000 (Feb 2020)
Tax Bill	$2,714 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5150-0952-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5150-0952-0070`
Alternative APNs	`00590042` `590042`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,110 sqft Living Area
1st Floor Area	2,110 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Porch Area	1,008 sqft
Deck Area	91 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00590042
Street Address	10451 FORDHAM ST
City	SPRING HILL
State	FL
Zip	34608-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 15 BLK 952 LOT 7
Legal Range	18E
Legal Township	23S
Legal Section	18
Legal Subdivision	SPRING HILL UNIT 15
Legal Block	952
Legal Lot Number	7
Legal Unit	15
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1017
Census Tract	41105

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
Mailing Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 21, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Apr 3, 2017	Warranty Deed, Transfer · VA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Prior Sale	Apr 3, 2017 · Amount on Record
Deed Document Number	2020011480
Deed Book / Page	3809 / 900
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118

Mortgage

Document Number	0046170315
Date	Oct 2, 2025
Book Page	4617/315
Instrument	2025068840

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Mar 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 21, 2020
Property Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118
Document Number	0038090900
Book / Page	003809 / 000900
Instrument Date	Feb 14, 2020
Instrument	11480
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10451 FORDHAM ST SPRING HILL FL 346084118, SPRING HILL, FL 34608-4118

Mortgage

Document Number	38090902
Date	Feb 21, 2020
Book Page	003809/000902
Instrument	11481

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 3, 2017
Property Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118
Document Number	0034550274
Book / Page	3455 / 0274
Map Reference	MB9 PG10-15
Instrument Date	Mar 29, 2017
Instrument	2017018464
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,092.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10451 FORDHAM ST, SPRING HILL, FL 34608-4118

Mortgage

Document Number	34550276
Date	Apr 3, 2017
Instrument	3455/0276

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

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	$2,714.00 (+0.97%) Additional exemption filed	$229,552 (+5.99%)	$316,587 (+2.25%) Land $37,500 Building $279,087
2023		$216,585 (+3%) Land $216,585
2022	$2,688.00 Homeowner's exemption	$210,277	$309,633 Land $31,000 Building $278,633

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	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	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 270 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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