14468 Surrey Bend, Spring Hill, FL 34609 Property Records

Hernando County property record for 14468 Surrey Bend, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,637 sqft · built 1998
Lot Size	0.338 acres (14,700 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Dec 2021)
Tax Bill	$5,938 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`R02-223-18-3492-0000-0980`

Property Details

APN / Parcel Number

Primary APN	`R02-223-18-3492-0000-0980`
Alternative APNs	`01324971` `1324971`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,637 sqft Living Area
Gross Area	3,739 sqft
1st Floor Area	2,637 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,700 sqft (0.338 acres)
Garage Type	Attached
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	528 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01324971
Street Address	14468 SURREY BND
City	SPRING HILL
State	FL
Zip	34609-0376
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVERTHORN PH 2A LOT 98
Legal Range	18E
Legal Township	23S
Legal Section	02
Legal Subdivision	SILVERTHORN PH 2A
Legal Lot Number	98
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2010
Census Tract	40909

Owner

14468 Surrey Bend is owned and occupied by two individuals who bought it in December 2021.

Source: Hernando County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	14468 SURREY BND, SPRING HILL, FL 34609-0376
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage GREAT WESTERN FINANCIAL SERVICES IN
Oct 12, 2020	Warranty Deed, Transfer CAPSTONE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2021 · Amount on File
Deed Sale	Dec 22, 2021 · Amount on File
Prior Sale	Oct 12, 2020 · Amount on File
Deed Document Number	202196351
Deed Book / Page	4103 / 1126
Prior Transfer Date	Jan 23, 2002
Prior Transfer Doc	1498000456
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 22, 2021
Property Address	14468 SURREY BND, SPRING HILL, FL 34609-0376
Document Number	0041031126
Book / Page	4103 / 1126
Map Reference	MB 30 PG 41-43
Instrument Date	Dec 15, 2021
Instrument	2021096351
Transaction Type	Transfer
Record Updated	Jan 27, 2022
Title Company	CHELSEA TITLE NATURE COAST, CHELSEA TTL OF NATURE COAST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,954.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5009 CHAMPIONSHIP CUP LN, 5009, SPRING HILL, FL 34609-0362

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14468 SURREY BND, SPRING HILL, FL 34609-0376

Mortgage

Document Number	0041031128
Date	Dec 22, 2021
Instrument	4103/1128

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 12, 2020
Property Address	14468 SURREY BND, SPRING HILL, FL 34609-0376
Document Number	0038980998
Book / Page	003898 / 000998
Instrument Date	Oct 8, 2020
Instrument	63244
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	CAPSTONE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,261.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5009 CHAMPIONSHIP CUP LN SPRING HILL FL 346090362, SPRING HILL, FL 34609-0362

Tax Assessment & Valuation

The 2025 property tax bill for 14468 Surrey Bend was $5,938 with a homeowner's exemption.

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	$5,938.00 Homeowner's exemption	$416,534 Land $100,967 Building $315,567	$416,534 Land $100,967 Building $315,567
2023		$427,487 Land $107,385 Building $320,102
2022	$5,891.00		$427,487 Land $100,967 Building $326,520

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

Flood

FEMA maps place 14468 Surrey Bend in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	5 (2012–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 14468 Surrey Bend is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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	WOODARD MANOR private · serves 100 people · EPA ID FL6295177
Water Source	Groundwater
Last State Inspection	Aug 2024
Also Mapped Here	HERNANDO CO UTL-WEST
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Open Infra Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, WOW Internet, Cable & Phone.

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