See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

10196 Heathcliff St, Spring Hill, FL, 34608

2beds
1baths
848sqft
$215,000
$254price/sqft
$1,673/moest. monthly cost
$66,920/yrincome needed

About This Home

Welcome to this well-maintained 2-bedroom, 1-bath home in the heart of Spring Hill with no HOA fees. Perfect for first-time buyers, snowbirds, downsizers, or investors. Enjoy comfortable living with a bright, functional layout and a spacious screened lanai that is ideal for morning coffee, relaxing, or entertaining. The large backyard offers plenty of room for pets, gardening, or creating your own outdoor retreat. Need extra space? The powered storage shed is perfect for a workshop, hobbies, or additional storage. An attached one-car garage adds everyday convenience. Located near shopping, restaurants, healthcare, parks, and the Hernando County School District. Quick access to the Suncoast Parkway makes commuting to Tampa, Tampa International Airport, and Brooksville simple. With no HOA, a large lot, an attached garage, and a storage shed with electricity, this home offers exceptional value in a convenient location. Schedule your private showing today.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

6/10
5/10
Powell Middle SchoolGrades 6-84.6 mi

Construction

Condition

  • Year built: 1981

Materials

  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Breakfast Nook,Built-in Features,Ceiling Fan(s),Open Floorplan,Primary Bathroom - Tub with Shower
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 848
  • Total interior livable area: 848 sqft

Property

Details

  • Parcel number: R32 323 17 5080 0442 0030
  • Zoning: R1-MH
  • Zoning description: Residential Single Family Housing
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Rear Porch,Screened
  • Fencing: Fenced,Wood

Lot

  • Lot size: 10,018 sqft
  • Features: Many Trees

Parking

  • Total spaces: 1
  • Parking features: Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Inland Flooding
Tornado
Tsunami

FEMA Declared Disasters in Hernando County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,087$13,044
Home Insurance *$111$1,332
Property Taxes $278$3,336
Electricity $197$2,366
Total$1,673$20,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,360/yr
40% on housing$50,190/yr
45% on housing$44,613/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.1%
4.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 34608$159
Hernando County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 34608$183
Hernando County$182

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$215,000
2026-07-31Listed for sale$215,000
2019-06-07Sold$105,000
2019-04-30Listed for sale$115,000
1997-03-12Sold$41,000

For Sale by Agent

AgentThomas Homan Jr
BrokerageHoman Realty Group Inc

Similar Homes