Hernando County property record for 14531 Silversmith Cir, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,538 sqft · built 2002 |
| Lot Size | 0.119 acres (5,180 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (Jul 2023) |
| Tax Bill | $3,535 (2025) |
| Deeds & Mortgages | Jan 2025 Transfer Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R11-223-18-3496-0000-0350 |
| Primary APN | R11-223-18-3496-0000-0350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,538 sqft Living Area |
| Gross Area | 2,094 sqft |
| 1st Floor Area | 1,538 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,180 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 176 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01400237 |
|---|---|
| Street Address | 14531 SILVERSMITH CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-0388 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERTHORN PH 4A LOT 35 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 11 |
| Legal Subdivision | SILVERTHORN PH 4A |
| Legal Lot Number | 35 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 40909 |
Source: Hernando County assessment roll, as of December 8, 2025
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 | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 27, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| May 9, 2022 | Personal Representative Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on Record |
| Deed Sale | Jul 3, 2023 · Amount on Record |
| Prior Sale | Jul 21, 2015 · Amount on Record |
| Deed Document Number | 202341636 |
| Deed Book / Page | 4316 / 1785 |
| Last Transfer Date | Jan 23, 2025 |
| Transfer Doc | 0045160741 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jan 27, 2025 |
| Property Address | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Number | 0045160741 |
| Book / Page | 4516 / 741 |
| Map Reference | MB 32 PG 5 |
| Instrument Date | Jan 23, 2025 |
| Instrument | 2025006332 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Name | Verified Name |
|---|---|
| Address | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 3, 2023 |
| Property Address | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Number | 0043161785 |
| Book / Page | 4316 / 1785 |
| Map Reference | MB 32 PG 5 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 2023041636 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | CHELSEA TITLE NATURE COAST, CHELSEA TTL OF NATURE COAST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,184.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14531 SILVERSMITH CIR, BROOKSVILLE, FL 34609-0388 |
| Name | Verified Name |
|---|---|
| Address | 14531 SILVERSMITH CIR, BROOKSVILLE, FL 34609-0388 |
| Investor | Possibly a Property Investor |
| Document Number | 0043161787 |
|---|---|
| Date | Jul 3, 2023 |
| Instrument | 4316/1787 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 9, 2022 |
| Property Address | 14531 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Number | 0041680008 |
| Book / Page | 4168 / 8 |
| Map Reference | MB 32 PG 5-7 |
| Instrument Date | May 2, 2022 |
| Instrument | 2022035960 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | SOUTHEAST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,862.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11163 SPRING HILL DR, SPRING HILL, FL 34609-4649 |
| Name | Verified Name |
|---|---|
| Address | 14531 SILVERSMITH CIR, BROOKSVILLE, FL 34609-0388 |
| Document Number | 0000416810 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 4168/10 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
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 | $3,535.00 (+22.49%) | $248,181 (+8.09%) Land $24,191 Building $198,458 | $248,181 (+8.09%) Land $24,191 Building $198,458 |
| 2023 | $229,597 (+9.23%) Land $40,756 Building $188,841 | ||
| 2022 | $2,886.00 | $210,187 Land $19,270 Building $190,917 | $229,597 Land $24,191 Building $205,406 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 338 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 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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