10452 Keystone St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10452 Keystone St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,260 sqft · built 1986
Lot Size	0.24 acres (10,461 sqft)
Owner	Individual Name on File
Last Sale	$124,500 (Nov 2017)
Tax Bill	$1,473 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1160-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1160-0080`
Alternative APNs	`00628191` `628191`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,461 sqft (0.24 acres)
Lot Dimensions	125 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	278 sqft
Patio Area	36 sqft
Shed	1 Shed
Shed Area	64 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00628191
Street Address	10452 KEYSTONE ST
City	SPRING HILL
State	FL
Zip	34608-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1160 LOT 8
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1160
Legal Lot Number	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3030
Census Tract	41004

Owner

10452 Keystone St is owned and occupied by an individual who bought it in November 2017.

Source: Hernando County records, as of March 6, 2026

Owner of Record	Individual Name on File
Mailing Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 23, 2024	Deed of Trust, Mortgage · VA Mortgage FIRST COMMUNITY MORTGAGE INC
Aug 11, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 26, 2021	Deed of Trust, Mortgage · VA Mortgage CONTOUR MORTGAGE CORP
Nov 17, 2017	Warranty Deed, Transfer · VA Mortgage BANCOHIO FINANCIAL
Mar 17, 2017	Warranty Deed, Transfer CHELSEA TITLE/THE NATURE COAST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2017 · Amount on File
Deed Sale	Nov 17, 2017 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Document Number	201765081
Deed Book / Page	3526 / 670
Prior Transfer Date	Aug 15, 2005
Prior Transfer Doc	0021171905
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314

Mortgage

Document Number	0044120580
Date	Apr 23, 2024
Book Page	4412/580
Instrument	2024022248

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Aug 11, 2022
Property Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Document Number	0042071321
Book / Page	4207 / 1321
Map Reference	MB 9 PG 31-46
Instrument Date	Aug 9, 2022
Instrument	2022061351
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10452 KEYSTONE ST, 10452, SPRING HILL, FL 34608-3314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314

Mortgage

Document Number	0039430630
Date	Jan 26, 2021
Book Page	3943/630
Instrument	2021004939

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 17, 2017
Property Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Document Number	0035260670
Book / Page	3526 / 0670
Map Reference	MB9 PG31-46
Instrument Date	Nov 9, 2017
Instrument	2017065081
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$871.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2327 WOODBEND CIR, 2327, NEW PORT RICHEY, FL 34655-3923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314

Mortgage

Document Number	2017065082
Date	Nov 17, 2017
Instrument	2017065082

Lender

Name	BANCOHIO FINANCIAL
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 17, 2017
Property Address	10452 KEYSTONE ST, SPRING HILL, FL 34608-3314
Document Number	0034490890
Book / Page	003449 / 000890
Instrument Date	Mar 15, 2017
Instrument	15033
Transaction Type	Transfer
Record Updated	May 12, 2017
Title Company	CHELSEA TITLE/THE NATURE COAST

Transaction

Amount	Amount on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 3741 HOLIDAY FL 346920741, HOLIDAY, FL 34692-0741

Tax Assessment & Valuation

The 2025 property tax bill for 10452 Keystone St was $1,473 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	$1,473.00 Homeowner's exemption	$94,187	$198,410 Land $42,367 Building $156,043
2023		$88,867 Land $88,867
2022	$748.00		$193,699 Land $37,660 Building $156,039

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

Flood

FEMA maps place 10452 Keystone 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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 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

The area around 10452 Keystone 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 412 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Tillman Fiber.

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