Hernando County property record for 9481 Hayes St, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,212 sqft · built 1976 |
| Lot Size | 0.268 acres (11,661 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Aug 2018) |
| Tax Bill | $1,159 (2025) |
| Deeds & Mortgages | Sep 2023 Reverse Mortgage Jul 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5250-1669-0160 |
| Primary APN | R32-323-17-5250-1669-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| Gross Area | 1,681 sqft |
| 1st Floor Area | 1,212 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,661 sqft (0.268 acres) |
| Lot Dimensions | 119 ft deep x 93 ft wide |
| Pool Area | 336 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 1,217 sqft |
| Deck Area | 132 sqft |
| Patio Area | 444 sqft |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00432623 |
|---|---|
| Street Address | 9481 HAYES ST |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 25 BLK 1669 LOT 16 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 25 |
| Legal Block | 1669 |
| Legal Lot Number | 16 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 41103 |
Source: Hernando County records, as of January 16, 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 | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jul 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 23, 2018 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Aug 1, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jan 18, 2017 | Warranty Deed, Transfer SOUTHEAST TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2018 · Amount on Record |
| Deed Sale | Aug 1, 2018 · Amount on Record |
| Prior Sale | Jan 18, 2017 · Amount on Record |
| Deed Document Number | 201846540 |
| Deed Book / Page | 3609 / 608 |
| Prior Transfer Date | Apr 25, 2014 |
| Prior Transfer Doc | 0030940952 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Document Number | 0043470541 |
|---|---|
| Date | Sep 26, 2023 |
| Book Page | 4347/541 |
| Instrument | 2023061250 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Sep 21, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.22% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 12.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|---|
| Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Document Number | 0040280034 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 4028/34 |
| Instrument | 2021053667 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0038351927 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 3835/1927 |
| Instrument | 2020027065 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Document Number | 0036481888 |
| Instrument Date | Nov 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2019 |
| Name | Verified Name |
|---|---|
| Address | 9481 HAYES ST SPRING HILL FL 346083416, SPRING HILL, FL 34608-3416 |
| Document Number | 0036481888 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 003648/001888 |
| Instrument | 72639 |
| Name | SUNCOAST CU |
|---|---|
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 216 Months |
| Due | Dec 4, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Aug 1, 2018 |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Document Number | 0036090608 |
| Book / Page | 003609 / 000608 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 46540 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $973.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9481 HAYES ST BROOKSVILLE FL 346083416, BROOKSVILLE, FL 34608-3416 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jan 18, 2017 |
| Property Address | 9481 HAYES ST, SPRING HILL, FL 34608-3416 |
| Document Number | 0034310932 |
| Book / Page | 003431 / 000932 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2893 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2017 |
| Title Company | SOUTHEAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9481 HAYES ST SPRING HILL FL 346083416, SPRING HILL, FL 34608-3416 |
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 | $1,159.00 (+166.44%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $103,209 (+5.99%) | $178,096 (+5.53%) Land $35,566 Building $142,530 |
| 2023 | $97,379 (+3%) Land $97,379 | ||
| 2022 | $435.00 Homeowner's exemption | $94,543 | $168,758 Land $29,153 Building $139,605 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
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 99.8% of the US · lower than 99.7% 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.
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 169 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 / 35 |
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