10502 Sheffield Rd, Spring Hill, FL 34608 Property Records

Hernando County property record for 10502 Sheffield Rd, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,566 sqft · built 1991
Lot Size	0.255 acres (11,108 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Nov 2018)
Tax Bill	$691 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1172-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1172-0160`
Alternative APNs	`00630348` `630348`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,566 sqft Living Area
Gross Area	2,532 sqft
1st Floor Area	1,566 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2010
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,108 sqft (0.255 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	1,079 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00630348
Street Address	10502 SHEFFIELD RD
City	SPRING HILL
State	FL
Zip	34608-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1172 LOT 16
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1172
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3014
Census Tract	41004

Owner

10502 Sheffield Rd is owned and occupied by an individual who bought it in November 2018.

Source: Hernando County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
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
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Sep 5, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Nov 19, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE FIRM
Nov 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2018 · Amount on File
Deed Sale	Nov 19, 2018 · Amount on File
Prior Sale	Apr 30, 1998 · Amount on File
Deed Document Number	201869601
Deed Book / Page	3644 / 1
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	0035241683
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 29, 2026
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Document Number	0000051480
Book / Page	4741 / 1661
Instrument Date	Jul 21, 2026
Instrument	202651480
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500

Mortgage

Document Number	0000051480,
Date	Jul 29, 2026
Book Page	4741/1661
Instrument	202651480

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.49%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500

Mortgage

Document Number	0040301484
Date	Jul 23, 2021
Book Page	4030/1484
Instrument	2021055173

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500

Mortgage

Document Number	0039121611
Date	Nov 16, 2020
Book Page	3912/1611
Instrument	2020071672

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Document Number	0037501933
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10502 SHEFFIELD RD SPRING HILL FL 346082500, SPRING HILL, FL 34608-2500

Mortgage

Document Number	0037501933
Date	Sep 16, 2019
Book Page	003750/001933
Instrument	57878

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 19, 2018
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Document Number	0036440001
Book / Page	003644 / 000001
Instrument Date	Nov 14, 2018
Instrument	69601
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,246.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	10502 SHEFFIELD RD SPRING HILL FL 346082500, SPRING HILL, FL 34608-2500

Mortgage

Document Number	36440003
Date	Nov 19, 2018
Book Page	003644/000003
Instrument	69602

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 14, 2017
Property Address	10502 SHEFFIELD RD, SPRING HILL, FL 34608-2500
Document Number	0035241683
Book / Page	003524 / 001683
Instrument Date	Nov 13, 2017
Instrument	63975
Transaction Type	Transfer
Record Updated	Jan 3, 2018
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	10502 SHEFFIELD RD SPRING HILL FL 346082500, SPRING HILL, FL 34608-2500

Tax Assessment & Valuation

The 2025 property tax bill for 10502 Sheffield Rd was $691 with a disabled person's exemption, up 1.6% from the year before.

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	$691.00 (+1.62%) Disabled Person's exemption	$141,794	$280,048 Land $44,987 Building $235,061
2024	$680.00
2023	Additional exemption filed	$133,784 (+3%) Land $133,784
2022	$2,718.00 Disabled Person's exemption Veteran's exemption	$129,887	$255,941 Land $39,989 Building $215,952

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

Flood

FEMA maps place 10502 Sheffield Rd 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
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

Wildfire risk around 10502 Sheffield Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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 414 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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