Hernando County property record for 10988 Westerly Dr, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,713 sqft · built 2007 |
| Lot Size | 0.158 acres (6,886 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Apr 2022) |
| Tax Bill | $4,354 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R31-223-18-3543-0000-1075 |
| Primary APN | R31-223-18-3543-0000-1075 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,713 sqft Living Area |
| Gross Area | 2,487 sqft |
| 1st Floor Area | 1,713 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,886 sqft (0.158 acres) |
| Garage Type | Attached |
| Garage Area | 426 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 348 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01628288 |
|---|---|
| Street Address | 10988 WESTERLY DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON AT SEVEN HILLS PH11 LOT 1075 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 31 |
| Legal Subdivision | WELLINGTON AT SEVEN HILLS PH11 |
| Legal Lot Number | 1075 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 40913 |
10988 Westerly Dr is owned and occupied by two individuals who bought it in April 2022.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 26, 2022 | Warranty Deed, Transfer SOUTHEAST TITLE |
| Jun 19, 2019 | Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2022 · Amount on File |
| Deed Sale | Apr 26, 2022 · Amount on File |
| Prior Sale | Jun 19, 2019 · Amount on File |
| Deed Document Number | 202231335 |
| Deed Book / Page | 4161 / 25 |
| Prior Transfer Date | Aug 14, 2009 |
| Prior Transfer Doc | 0026800622 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Document Number | 0041040598 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 4104/598 |
| Instrument | 2021096728 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 26, 2022 |
| Property Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Document Number | 0041610025 |
| Book / Page | 4161 / 25 |
| Map Reference | MB 37 PG 21-24 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022031335 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2022 |
| Title Company | SOUTHEAST TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 556 OLD MONTICELLO RD NW, 556, MILLEDGEVILLE, GA 31061-8093 |
| Name | Verified Name |
|---|---|
| Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 19, 2019 |
| Property Address | 10988 WESTERLY DR, SPRING HILL, FL 34609-9675 |
| Document Number | 0037170431 |
| Book / Page | 3717 / 0431 |
| Map Reference | MB 37 PG 21 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 2019038059 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,347.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5186 MOUNTAIN RD, 5186, PASADENA, MD 21122-6208 |
| Name | Verified Name |
|---|---|
| Address | 21984 DEEP CREEK LN, AVENUE, MD 20609-2201 |
| Document Number | 0003717435 |
|---|---|
| Date | Jun 19, 2019 |
| Instrument | 3717/435 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 10988 Westerly Dr was $4,354.
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,354.00 | $257,526 | $289,911 Land $63,696 Building $226,215 |
| 2023 | $250,832 Land $21,637 Building $229,195 | ||
| 2022 | $3,809.00 | $250,832 Land $63,696 Building $187,136 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10988 Westerly Dr 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 30 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 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 risk around 10988 Westerly Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
May also be available: AT&T, Tillman Fiber, Verizon, WOW Internet, Cable & Phone.
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