Hernando County property record for 11196 Monarch St, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,099 sqft · built 1987 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $234,000 (Aug 2023) |
| Tax Bill | $3,411 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5150-0938-0040 |
| Primary APN | R32-323-17-5150-0938-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,099 sqft Living Area |
| Gross Area | 1,717 sqft |
| 1st Floor Area | 1,099 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 340 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 281 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00587332 |
|---|---|
| Street Address | 11196 MONARCH ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-2763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 15 BLK 938 LOT 4 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 15 |
| Legal Block | 938 |
| Legal Lot Number | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 41006 |
Source: Hernando County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Aug 23, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 2, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2023 · Amount on Record |
| Deed Sale | Aug 23, 2023 · Amount on Record |
| Prior Sale | Nov 19, 2021 · Amount on Record |
| Deed Document Number | 202353456 |
| Deed Book / Page | 4335 / 253 |
| Prior Transfer Date | Mar 27, 2020 |
| Prior Transfer Doc | 0038251108 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Document Number | 0040880503 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 4088/503 |
| Instrument | 2021087874 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 23, 2023 |
| Property Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Document Number | 0043350253 |
| Book / Page | 4335 / 253 |
| Map Reference | MB 9 PG 10 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2023053456 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,638.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4492 GULFSTREAM DR, HERNANDO BEACH, FL 34607-2827 |
| Name | Verified Name |
|---|---|
| Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Document Number | 0004335254 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 4335/254 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Document Number | 0038901599 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 3890/1599 |
| Instrument | 2020058564 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 2, 2020 |
| Property Address | 11196 MONARCH ST, SPRING HILL, FL 34609-2763 |
| Document Number | 0038251108 |
| Book / Page | 003825 / 001108 |
| Instrument Date | Mar 27, 2020 |
| Instrument | 21330 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11196 MONARCH ST SPRING HILL FL 346092763, SPRING HILL, FL 34609-2763 |
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 | $3,411.00 (+68.28%) | $190,545 (+10.09%) Land $37,500 Building $153,045 | $190,545 (+3.75%) Land $37,500 Building $153,045 |
| 2023 | $173,085 (+3%) Land $22,488 Building $150,597 | ||
| 2022 | $2,027.00 Homeowner's exemption | $168,044 Land $20,700 Building $147,344 | $183,654 Land $31,000 Building $152,654 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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 416 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 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures