Hernando County property record for 14494 Silversmith Cir, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,734 sqft · built 2005 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Jul 2022) |
| Tax Bill | $3,715 (2025) |
| Deeds & Mortgages | Jul 2022 Sale Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R11-223-18-3496-0000-0430 |
| Primary APN | R11-223-18-3496-0000-0430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,734 sqft Living Area |
| 1st Floor Area | 1,734 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 158 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01400317 |
|---|---|
| Street Address | 14494 SILVERSMITH CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-0384 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERTHORN PH 4A LOT 43 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 11 |
| Legal Subdivision | SILVERTHORN PH 4A |
| Legal Lot Number | 43 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 40909 |
14494 Silversmith Cir is owned and occupied by an individual who acquired it in July 2022.
Source: Hernando County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 14494 SILVERSMITH CIR, SPRING HILL, FL 34609-0384 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2022 | Warranty Deed, Transfer CHELSEA TITLE NATURE COAST, CHELSEA TTL OF NATURE COAST |
| Jun 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2022 · Amount on File |
| Deed Sale | Jul 21, 2022 · Amount on File |
| Deed Document Number | 0004200586 |
| Deed Book / Page | 4200 / 586 |
| Last Transfer Date | Jul 26, 2022 |
| Transfer Doc | 0042000586 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 26, 2022 |
| Property Address | 14494 SILVERSMITH CIR, SPRING HILL, FL 34609-0384 |
| Document Number | 0042000586 |
| Book / Page | 4200 / 586 |
| Map Reference | MB 32 PG 5-7 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 2022056513 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | CHELSEA TITLE NATURE COAST, CHELSEA TTL OF NATURE COAST |
| Amount | Amount on Record |
|---|---|
| Tax | $2,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14494 SILVERSMITH CIR, SPRING HILL, FL 34609-0384 |
| Name | Verified Name |
|---|---|
| Address | 2280 CARLOS DR, WATERFORD, MI 48327-1006 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jun 18, 2019 |
| Property Address | 14494 SILVERSMITH CIR, SPRING HILL, FL 34609-0384 |
| Document Number | 0037160404 |
| Book / Page | 3716 / 0404 |
| Map Reference | MB 32 PG 5-7 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 2019037471 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | CHELSEA TTL OF NATURE COAST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,161.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12205 CLOVERDALE CT, 12205, GOSHEN, KY 40026-9562 |
| Name | Verified Name |
|---|---|
| Address | 14494 SILVERSMITH CIR, SPRING HILL, FL 34609-0384 |
| Document Number | 0003716405 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 3716/405 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2039 |
The 2025 property tax bill for 14494 Silversmith Cir was $3,715.
Source: Hernando County assessment roll, as of October 31, 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 | $3,715.00 | $260,252 Land $38,070 Building $222,182 | $260,252 Land $38,070 Building $222,182 |
| 2023 | $248,686 Land $36,923 Building $211,763 | ||
| 2022 | $3,776.00 | $248,686 Land $38,070 Building $210,616 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14494 Silversmith Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 31 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 31 in force |
| Nearby Flood Claims | 5 (2012–2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 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 risk around 14494 Silversmith Cir is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% 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 | WOODARD MANOR private · serves 100 people · EPA ID FL6295177 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Also Mapped Here | HERNANDO CO UTL-WEST |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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