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14481 Silversmith Cir, Spring Hill, FL 34609 Property Records

Hernando County property record for 14481 Silversmith Cir, Spring Hill, FL 34609

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,591 sqft · built 2004
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on Record
Last Sale$193,000 (Apr 2020)
Tax Bill$2,027 (2025)
Deeds & MortgagesApr 2020 Sale
Dec 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNR11-223-18-3496-0000-0320

Property Details

APN / Parcel Number

Primary APNR11-223-18-3496-0000-0320
Alternative APNs
  • 01400200
  • 1400200

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,591 sqft Living Area
1st Floor Area1,591 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2016
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage Area380 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area176 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number01400200
Street Address14481 SILVERSMITH CIR
CitySPRING HILL
StateFL
Zip34609-0386
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSILVERTHORN PH 4A LOT 32
Legal Range18E
Legal Township23S
Legal Section11
Legal SubdivisionSILVERTHORN PH 4A
Legal Lot Number32
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group2
Census Block2013
Census Tract40909

Owner

Source: Hernando County records, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address14481 SILVERSMITH CIR, SPRING HILL, FL 34609-0386
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 21, 2020Warranty Deed, Transfer
REPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC
Dec 5, 2019Warranty Deed, Transfer · Conventional Mortgage
PATRIOT LNDG SVCS
Jul 11, 2019Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 21, 2020 · Amount on Record
Deed SaleApr 21, 2020 · Amount on Record
Prior SaleApr 21, 2020 · Amount on Record
Deed Document Number0038311908
Deed Book / Page003831 / 001908
Last Transfer DateDec 16, 2024
Transfer Doc0045020317
Record UpdatedJun 8, 2026

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateApr 21, 2020
Property Address14481 SILVERSMITH CIR, SPRING HILL, FL 34609-0386
Document Number0038311908
Book / Page003831 / 001908
Instrument DateApr 1, 2020
Instrument24850
Transaction TypeTransfer
Record UpdatedJun 15, 2020
Title CompanyREPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

AmountAmount Recorded
Tax$1,351.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address14481 SILVERSMITH CIR SPRING HILL FL 346090386, SPRING HILL, FL 34609-0386

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateDec 5, 2019
Property Address14481 SILVERSMITH CIR, SPRING HILL, FL 34609-0386
Document Number0037810723
Book / Page003781 / 000723
Instrument DateNov 25, 2019
Instrument76563
Transaction TypeTransfer
Record UpdatedJan 2, 2020
Title CompanyREPUBLIC LAND AND TITLE INC, REPUBLIC LAND & TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,351.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address14481 SILVERSMITH CIR SPRING HILL FL 346090386, SPRING HILL, FL 34609-0386

Mortgage

Document Number37810725
DateDec 5, 2019
Book Page003781/000725
Instrument76564
Lender
NamePATRIOT LNDG SVCS
AddressPITTSBURGH, PA 15220
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 4, 2049

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateJul 11, 2019
Property Address14481 SILVERSMITH CIR, SPRING HILL, FL 34609-0386
Document Number0037261439
Book / Page3726 / 1439
Map ReferenceMB 32 PG 5-7
Instrument DateJun 26, 2019
Instrument2019043081
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyCHELSEA TTL OF NATURE COAST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address58 BARLEY CIR, 58, HANOVER, PA 17331-9145

Transferred To (Grantee/Buyer)

NameVerified Name
Address14481 SILVERSMITH CIR, SPRING HILL, FL 34609-0386

Mortgage

Document Number0037261440
DateJul 11, 2019
Instrument3726/1440
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2049

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,027.00 (+1.45%) Additional exemption filed$181,434 (+5.99%)$245,699 (+4.65%) Land $40,718 Building $204,981
2023$171,185 Land $171,185
2022$1,998.00$234,781 Land $40,718 Building $194,063

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies31 in force
Nearby Flood Claims5 (2012–2017)
Claims Outside the SFHA5 of 5
Most Recent ClaimSep 2017 · Hurricane Irma

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 338 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Open Infra
Fiber		8,000 / 8,000
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
WOW Internet, Cable & Phone
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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