11054 Belltower St, Spring Hill, FL 34608 Property Records

Hernando County property record for 11054 Belltower St, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,955 sqft · built 2019
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$202,900 (Apr 2019)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5180-1181-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5180-1181-0070`
Alternative APNs	`00658675` `658675`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,955 sqft Living Area
1st Floor Area	1,969 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00658675
Street Address	11054 BELLTOWER ST
City	SPRING HILL
State	FL
Zip	34608-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 18 BLK 1181 LOT 7
Legal Range	18E
Legal Township	23S
Legal Section	06
Legal Subdivision	SPRING HILL UNIT 18
Legal Block	1181
Legal Lot Number	7
Legal Unit	18
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2010
Census Tract	41004

Owner

Source: Hernando County records, as of December 10, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 15, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 3, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jan 3, 2018	Tax Deed, Foreclosure
Jan 2, 2018	Warranty Deed, Transfer NORTH AMERICAN TITLE
Nov 27, 2017	Loan Modification, Mortgage CAPITAL CTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Prior Sale	Apr 3, 2018
Deed Document Number	0003692420
Deed Book / Page	3692 / 420
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009

Mortgage

Document Number	0042981050
Date	May 17, 2023
Book Page	4298/1050
Instrument	2023029842

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009

Mortgage

Document Number	0039771214
Date	Apr 6, 2021
Book Page	3977/1214
Instrument	2021024019

Lender

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

Agreement

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

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 15, 2019
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Document Number	0036920420
Book / Page	3692 / 0420
Map Reference	MB 9 PG 47-59
Instrument Date	Apr 15, 2019
Instrument	2019022943
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021
Title Company	ALL PERFORMANCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2931 LANDOVER BLVD, 2931, SPRING HILL, FL 34608-7258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009

Mortgage

Document Number	2019022944
Date	Apr 15, 2019
Instrument	2019022944

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 3, 2018
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Document Number	0035681737
Book / Page	003568 / 001737
Instrument Date	Mar 27, 2018
Instrument	19502
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2955 LANDOVER BLVD SPRING HILL FL 346087258, SPRING HILL, FL 34608-7258

January 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 3, 2018
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Document Number	0035400434
Book / Page	003540 / 000434
Instrument Date	Jan 3, 2018
Instrument	524
Transaction Type	Foreclosure
Record Updated	Jan 24, 2018

Transaction

Amount	Amount Recorded
Tax	$33.60
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2103 DISCOVERY CIR W DEERFIELD BEACH FL 334421005, DEERFIELD BEACH, FL 33442-1005

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 2, 2018
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Document Number	0035390849
Book / Page	003539 / 000849
Instrument Date	Dec 19, 2017
Instrument	110
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2955 LANDOVER BLVD SPRING HILL FL 346087258, SPRING HILL, FL 34608-7258

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	11054 BELLTOWER ST, SPRING HILL, FL 34608-2009
Document Number	0035411396
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0035411396
Date	Jan 8, 2018
Book Page	003541/001396
Instrument	1347

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	5200 W NEWBERRY RD # A, GAINESVILLE, FL 32607-2151

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$2,532.00 (+1.08%) Additional exemption filed	$216,802 (+5.99%)	$328,733 (+2.96%) Land $40,018 Building $288,715
2023		$204,555 (+3%) Land $204,555
2022	$2,505.00 Homeowner's exemption	$198,597	$319,280 Land $30,902 Building $288,378

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 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 99.8% of the US · lower than 99.7% 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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