4010 Treetop Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 4010 Treetop Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1986
Lot Size	0.272 acres (11,846 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Apr 2018)
Tax Bill	$2,027 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2026 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`R15-223-17-1768-0000-1850`

Property Details

APN / Parcel Number

Primary APN	`R15-223-17-1768-0000-1850`
Alternative APNs	`01063039` `1063039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,632 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1994
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,846 sqft (0.272 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	349 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01063039
Street Address	4010 TREETOP CIR
City	SPRING HILL
State	FL
Zip	34606-6728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST OAKS UNIT 3 LOT 185
Legal Range	17E
Legal Township	23S
Legal Section	15
Legal Subdivision	FOREST OAKS UNIT 3
Legal Lot Number	185
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1004
Census Tract	41204

Owner

4010 Treetop Cir is owned and occupied by two individuals who acquired it in January 2026.

Source: Hernando County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Jan 12, 2026	Intrafamily Transfer, Transfer
Mar 20, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 1, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Nov 26, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Apr 27, 2018	Warranty Deed, Transfer · FHA Mortgage UNIFIRST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Prior Sale	Nov 21, 2012 · Amount on File
Deed Document Number	201825809
Deed Book / Page	3577 / 1736
Last Transfer Date	Jan 10, 2026
Transfer Doc	0046560629
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Aug 18, 2026
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0000055293
Book / Page	4748 / 1035
Instrument Date	Aug 8, 2026
Instrument	202655293
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728

Mortgage

Document Number	0000055293,
Date	Aug 18, 2026
Book Page	4748/1035
Instrument	202655293

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jan 12, 2026
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0046560629
Book / Page	4656 / 629
Map Reference	MB 19 PG 65
Instrument Date	Jan 7, 2026
Instrument	2026001912
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Transaction Type	Mortgage
Record Updated	Apr 8, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044040687
Date	Mar 20, 2024
Book Page	4404/687
Instrument	2024017516

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	252 Months
Due	Mar 7, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040540831
Date	Sep 13, 2021
Book Page	4054/831
Instrument	2021068595

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0038640082
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 TREETOP CIR SPRING HILL FL 346066728, SPRING HILL, FL 34606-6728

Mortgage

Document Number	0038640082
Date	Jul 17, 2020
Book Page	003864/000082
Instrument	43116

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0038080896
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 TREETOP CIR SPRING HILL FL 346066728, SPRING HILL, FL 34606-6728

Mortgage

Document Number	0038080896
Date	Feb 19, 2020
Book Page	003808/000896
Instrument	10817

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Feb 18, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0036470978
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4010 TREETOP CIR SPRING HILL FL 346066728, SPRING HILL, FL 34606-6728

Mortgage

Document Number	0036470978
Date	Nov 30, 2018
Book Page	003647/000978
Instrument	71763

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 27, 2018
Property Address	4010 TREETOP CIR, SPRING HILL, FL 34606-6728
Document Number	0035771736
Book / Page	3577 / 1736
Map Reference	MB19 PG62-67
Instrument Date	Apr 24, 2018
Instrument	2018025809
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE OF THE SUNCO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E 47TH ST, 107, AUSTIN, TX 78751-3137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 W STARZ RD, GIBSONIA, PA 15044-7956

Mortgage

Document Number	2018025810
Date	Apr 27, 2018
Instrument	2018025810

Lender

Name	UNIFIRST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4010 Treetop Cir was $2,027 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	$2,027.00 Homeowner's exemption	$129,774	$222,180 Land $31,392 Building $190,788
2023		$122,444 (+3%) Land $122,444
2022	$1,258.00 Homeowner's exemption	$118,878	$227,545 Land $31,392 Building $196,153

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

Flood

FEMA maps place 4010 Treetop Cir 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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	5 (2011–2024)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Tropical Storm Debby, Jun 2012 · 2 claims

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 4010 Treetop Cir 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 80% of the US · lower than 93% 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	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 370 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

May also be available: Verizon.

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