Hernando County property record for 6410 Talbot Cir, Spring Hill, FL 34606
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 766 sqft · built 1969 |
| Lot Size | 0.238 acres (10,386 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $203,000 (Mar 2022) |
| Tax Bill | $2,014 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5020-0065-0420 |
| Primary APN | R32-323-17-5020-0065-0420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 766 sqft Living Area |
| Gross Area | 1,120 sqft |
| 1st Floor Area | 766 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Fiberglass |
| Lot Area | 10,386 sqft (0.238 acres) |
| Lot Dimensions | 100 ft deep x 88 ft wide |
| Porch | Porch |
| Porch Area | 234 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Account Number | 00217795 |
|---|---|
| Street Address | 6410 TALBOT CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34606-4832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 2 BLK 65 LOT 42 OR 713 PF 1018 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UN 2 |
| Legal Block | 65 |
| Legal Lot Number | 42 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 41401 |
Source: Hernando County records, as of August 25, 2026
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 |
|---|---|
| Mailing Address | 9041 GRATEFUL THOMAS TRL, 201, TAMPA, FL 33626-1688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Mar 18, 2022 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Nov 3, 2021 | Warranty Deed, Transfer · Commercial Mortgage DIANA LUGO |
| Sep 23, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2022 · Amount on Record |
| Deed Sale | Mar 18, 2022 · Amount on Record |
| Prior Sale | Nov 3, 2021 · Amount on Record |
| Deed Document Number | 202221072 |
| Deed Book / Page | 4143 / 369 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 18, 2022 |
| Property Address | 6410 TALBOT CIR, SPRING HILL, FL 34606-4832 |
| Document Number | 0041430369 |
| Book / Page | 4143 / 369 |
| Map Reference | MB 7 PG 65-79 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022021072 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | TRUST MARK TITLE, TRUST & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,421.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6252 COMMERCIAL WAY # 112, 112, WEEKI WACHEE, FL 34613-6329 |
| Name | Verified Name |
|---|---|
| Address | 9041 GRATEFUL THOMAS TRL, TAMPA, FL 33626-1687 |
| Document Number | 0004143371 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 4143/371 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 3, 2021 |
| Property Address | 6410 TALBOT CIR, SPRING HILL, FL 34606-4832 |
| Document Number | 0040800425 |
| Book / Page | 4080 / 425 |
| Map Reference | MB 7 PG 65 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021083068 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | TRUST MARK TITLE, TRUST & TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6268 BELLOW VALLEY DR, DUBLIN, OH 43016-8585 |
| Name | Verified Name |
|---|---|
| Address | 6252 COMMERCIAL WAY # 112, 112, WEEKI WACHEE, FL 34613-6329 |
| Document Number | 0004080427 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 4080/427 |
| Name | DIANA LUGO |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 6410 TALBOT CIR, SPRING HILL, FL 34606-4832 |
| Document Number | 0040591825 |
| Book / Page | 4059 / 1825 |
| Map Reference | MB 7 PG 65-79 |
| Instrument Date | Sep 20, 2021 |
| Instrument | 2021071437 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $162.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 E MAIN ST, ELIDA, OH 45807-1048 |
| Name | Verified Name |
|---|---|
| Address | 7123 EVENTRAIL DR, POWELL, OH 43065-7342 |
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 | $2,014.00 (+39.76%) Homeowner's exemption | $132,116 (-1.78%) | $133,519 (-0.73%) Land $37,909 Building $95,610 |
| 2023 | $134,505 (+43.21%) Land $42,660 Building $91,845 | ||
| 2022 | $1,441.00 | $93,920 Land $27,419 Building $66,501 | $134,505 Land $41,544 Building $92,961 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 3 (1998–2012) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
| Claims by Event |
|
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 96% 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.
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 294 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 |
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