11037 Gifford Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 11037 Gifford Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,597 sqft · built 1986
Lot Size	0.291 acres (12,679 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,500 (Aug 2026)
Tax Bill	$4,155 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5180-1195-0130`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5180-1195-0130`
Alternative APNs	`00662580` `662580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,597 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	1,597 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,679 sqft (0.291 acres)
Lot Dimensions	125 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	535 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	252 sqft
Patio Area	80 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00662580
Street Address	11037 GIFFORD DR
City	SPRING HILL
State	FL
Zip	34608-1945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 18 BLK 1195 LOT 13
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 18
Legal Block	1195
Legal Lot Number	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2020
Census Tract	41003

Owner

Source: Hernando County records, as of September 28, 2026

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	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERNANDO COUNTY (FL)
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REGIONS BANK
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Feb 2, 2018	Warranty Deed, Transfer TROPIC TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	202658294
Deed Book / Page	4753 / 874
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 28, 2026
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Document Number	0000058294
Book / Page	4753 / 874
Instrument Date	Aug 21, 2026
Instrument	202658294
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	OCEAN SANDS TITLE SVCS INC, OCEAN SANDS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224,472.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945

Mortgage

Document Number	0000058295,
Date	Aug 28, 2026
Instrument	202658295

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Sep 9, 2026
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Document Number	0000060549
Book / Page	4757 / 220
Instrument Date	Aug 21, 2026
Instrument	202660549
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945

Mortgage

Document Number	0000060549,
Date	Sep 9, 2026
Book Page	4757/220
Instrument	202660549

Lender

Name	HERNANDO COUNTY (FL)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 4, 2022
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Document Number	0041501407
Book / Page	4150 / 1407
Map Reference	MB 9 PG 47
Instrument Date	Apr 1, 2022
Instrument	2022025481
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1615 MARUMBI CT, 1615, WESLEY CHAPEL, FL 33544-8649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945

Mortgage

Document Number	0041501409
Date	Apr 4, 2022
Instrument	4150/1409

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 MARUMBI CT, WESLEY CHAPEL, FL 33544-8649

Mortgage

Document Number	0039351204
Date	Jan 6, 2021
Book Page	3935/1204
Instrument	2021000877

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 6, 2021
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Document Number	0039351183
Book / Page	3935 / 1183
Map Reference	MB 9 PG 47-59
Instrument Date	Dec 16, 2020
Instrument	2021000875
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	FLORIDIAN TITLE LLC, FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,347.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4142 MARINER BLVD # 420, 4142, SPRING HILL, FL 34609-2468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945

Mortgage

Document Number	39351185
Date	Jan 6, 2021
Instrument	3935/1185

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 2, 2018
Property Address	11037 GIFFORD DR, SPRING HILL, FL 34608-1945
Document Number	0035491170
Book / Page	003549 / 001170
Instrument Date	Jan 30, 2018
Instrument	6668
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$1,092.00
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	11037 GIFFORD DR SPRING HILL FL 346081945, SPRING HILL, FL 34608-1945

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	$4,155.00 (+17.47%)	$242,658 (+4.17%) Land $42,855 Building $199,803	$242,658 (+4.17%) Land $42,855 Building $199,803
2023		$232,936 Land $40,392 Building $192,544
2022	$3,537.00		$232,936 Land $33,092 Building $199,844

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% 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 229 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Nearby Properties on Gifford Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures