10477 Keystone St, Spring Hill, FL 34608 Property Records

Hernando County property record for 10477 Keystone St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1990
Lot Size	0.278 acres (12,091 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Sep 2019)
Tax Bill	$2,575 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1161-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1161-0110`
Alternative APNs	`00627307` `627307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,574 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,091 sqft (0.278 acres)
Lot Dimensions	125 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	882 sqft
Deck Area	20 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00627307
Street Address	10477 KEYSTONE ST
City	SPRING HILL
State	FL
Zip	34608-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1161 LOT 11
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1161
Legal Lot Number	11
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3031
Census Tract	41004

Owner

Source: Hernando County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10477 KEYSTONE ST, SPRING HILL, FL 34608-3315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 11, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	201956709
Deed Book / Page	3749 / 538
Prior Transfer Date	Mar 31, 2017
Prior Transfer Doc	0034700954
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10477 KEYSTONE ST, SPRING HILL, FL 34608-3315
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10477 KEYSTONE ST, SPRING HILL, FL 34608-3315

Mortgage

Document Number	0041291827
Date	Feb 18, 2022
Book Page	4129/1827
Instrument	2022013405

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 11, 2019
Property Address	10477 KEYSTONE ST, SPRING HILL, FL 34608-3315
Document Number	0037490538
Book / Page	3749 / 0538
Map Reference	MB 9 PG 31-46
Instrument Date	Aug 29, 2019
Instrument	2019056709
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHELSEA TTL OF NATURE COAST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 EAST AVE, 66, FAIRPORT, NY 14450-1444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8354 SUNFLOWER DR, SPRING HILL, FL 34606-6827
Investor	Possibly a Property Investor

Mortgage

Document Number	0003749539
Date	Sep 11, 2019
Instrument	3749/539

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 20, 2017
Property Address	10477 KEYSTONE ST, SPRING HILL, FL 34608-3315
Document Number	0034611869
Book / Page	003461 / 001869
Instrument Date	Mar 31, 2017
Instrument	22389
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	66 EAST AVE FAIRPORT NY 144501444, FAIRPORT, NY 14450-1444

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	$2,575.00 (+38.89%) Homeowner's exemption	$171,382 (+5.99%)	$270,313 (+1.78%) Land $48,969 Building $221,344
2023		$161,701 (+3%) Land $161,701
2022	$1,854.00 Homeowner's exemption	$156,991	$265,596 Land $43,528 Building $222,068

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
Flood Insurance Cost	Premium on Record 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

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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