11316 Riddle Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 11316 Riddle Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,532 sqft · built 1978
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Mar 2014)
Tax Bill	$1,297 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0582-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0582-0040`
Alternative APNs	`00445897` `445897`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,532 sqft Living Area
Gross Area	2,314 sqft
1st Floor Area	1,532 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1991
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	320 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00445897
Street Address	11316 RIDDLE DR
City	SPRING HILL
State	FL
Zip	34609-3442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 582 LOT 4
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	582
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2026
Census Tract	41106

Owner

11316 Riddle Dr is owned and occupied by two individuals who acquired it in October 2024.

Source: Hernando County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11316 RIDDLE DR, SPRING HILL, FL 34609-3442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 23, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 1, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Mar 28, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2014 · Amount on File
Deed Sale	Mar 18, 2014 · Amount on File
Prior Sale	Sep 12, 2013 · Amount on File
Deed Document Number	201413209
Deed Book / Page	3080 / 1711
Last Transfer Date	Oct 28, 2024
Transfer Doc	0044910311
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11316 RIDDLE DR, SPRING HILL, FL 34609-3442
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039570878
Date	Feb 25, 2021
Book Page	3957/878
Instrument	2021012951

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	322 Months
Due	Dec 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11316 RIDDLE DR, SPRING HILL, FL 34609-3442
Document Number	0037550902
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11316 RIDDLE DR SPRING HILL FL 346093442, SPRING HILL, FL 34609-3442

Mortgage

Document Number	0037550902
Date	Sep 27, 2019
Book Page	003755/000902
Instrument	60794

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11316 RIDDLE DR, SPRING HILL, FL 34609-3442
Document Number	0036301654
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11316 RIDDLE DR SPRING HILL FL 346093442, SPRING HILL, FL 34609-3442

Mortgage

Document Number	0036301654
Date	Oct 8, 2018
Book Page	003630/001654
Instrument	61079

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11316 RIDDLE DR, SPRING HILL, FL 34609-3442
Document Number	0034591475
Book / Page	003459 / 001475
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11316 RIDDLE DR SPRING HILL FL 346093442, SPRING HILL, FL 34609-3442

Mortgage

Document Number	0034591475
Date	Apr 13, 2017
Book Page	003459/001475
Instrument	21029

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 11316 Riddle Dr was $1,297.

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	$1,297.00	$81,830	$223,621 Land $45,360 Building $178,261
2023		$77,208 (+3%) Land $77,208
2022	$571.00 Homeowner's exemption	$74,959	$209,840 Land $31,320 Building $178,520

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

Flood

FEMA maps place 11316 Riddle 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 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022

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 11316 Riddle Dr 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 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.

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 350 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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