Hernando County property record for 8446 Gallup Rd, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,987 sqft · built 1989 |
| Lot Size | 0.42 acres (18,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,000 (Jun 2026) |
| Tax Bill | $5,069 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5210-1416-0400 |
| Primary APN | R32-323-17-5210-1416-0400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,987 sqft Living Area |
| Gross Area | 2,785 sqft |
| 1st Floor Area | 1,987 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,276 sqft (0.42 acres) |
| Lot Dimensions | 147 ft deep x 97 ft wide |
| Garage Type | Attached |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,342 sqft |
| Patio Area | 32 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00310032 |
|---|---|
| Street Address | 8446 GALLUP RD |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-4547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 21 BLK 1416 LOT 40 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 21 |
| Legal Block | 1416 |
| Legal Lot Number | 40 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41103 |
Source: Hernando County records · APN R32-323-17-5210-1416-0400
Assessment roll updated December 8, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8446 GALLUP RD, SPRING HILL, FL 34608-4547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 30, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Mar 08, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Aug 02, 2021 | Trustee's Deed, Foreclosure |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Prior Sale | Mar 08, 2022 · Amount on Record |
| Deed Document Number | 202644308 |
| Deed Book / Page | 4729 / 644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 30, 2026 |
| Property Address | 8446 GALLUP RD, SPRING HILL, FL 34608-4547 |
| Document Number | 0000044308 |
| Book / Page | 4729 / 644 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202644308 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2026 |
| Title Company | SOUTHERN TITLE, SOUTHERN SECURITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $244,622.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8446 GALLUP RD, SPRING HILL, FL 34608-4547 |
| Document Number | 0000044309, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202644309 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 08, 2022 |
| Property Address | 8446 GALLUP RD, SPRING HILL, FL 34608-4547 |
| Document Number | 0041371685 |
| Book / Page | 4137 / 1685 |
| Map Reference | MB 9 PG 81-96 |
| Instrument Date | Mar 04, 2022 |
| Instrument | 2022017947 |
| Transaction Type | Transfer |
| Record Updated | Apr 06, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,037.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 FEDERAL ST # ST3RD, 1, BOSTON, MA 02110-2012 |
| Name | Verified Name |
|---|---|
| Address | 515 JOHNSON AVE, CLINTON, WI 53525-9124 |
| Document Number | 0041371692 |
|---|---|
| Date | Mar 08, 2022 |
| Instrument | 4137/1692 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 02, 2021 |
| Property Address | 8446 GALLUP RD, SPRING HILL, FL 34608-4547 |
| Document Number | 0040350454 |
| Book / Page | 4035 / 454 |
| Map Reference | MB 9 PG 81-86 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021057583 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 03, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8446 GALLUP RD, 8446, SPRING HILL, FL 34608-4547 |
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620 |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,069.00 (+13.88%) | $306,665 (+4.63%) Land $52,087 Building $254,578 | $306,665 (+4.63%) Land $52,087 Building $254,578 |
| 2023 | $293,107 (+7.06%) Land $63,930 Building $229,177 | ||
| 2022 | $4,451.00 | $273,772 Land $30,558 Building $243,214 | $293,107 Land $44,621 Building $248,486 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Global Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 161 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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