Hernando County property record for 14545 Silversmith Cir, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,416 sqft · built 2002 |
| Lot Size | 0.099 acres (4,332 sqft) |
| Owner | Individual Name on File |
| Last Sale | $182,000 (Oct 2020) |
| Tax Bill | $1,157 (2025) |
| Deeds & Mortgages | Oct 2020 Sale Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R11-223-18-3494-0000-66A0 |
| Primary APN | R11-223-18-3494-0000-66A0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| Gross Area | 1,999 sqft |
| 1st Floor Area | 1,416 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,332 sqft (0.099 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 142 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01339386 |
|---|---|
| Street Address | 14545 SILVERSMITH CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-0388 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERTHORN PH 4 STERLING RUN LOT 66A |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 11 |
| Legal Subdivision | SILVERTHORN PH 4 STERLING RUN |
| Legal Lot Number | 66A |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 40909 |
Source: Hernando County records · APN R11-223-18-3494-0000-66A0
Assessment roll updated December 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 14545 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 02, 2020 | Warranty Deed, Transfer SOUTHEAST TITLE/THE SUNCOAST |
| Feb 20, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/TALLAHASSEE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 02, 2020 · Amount on Record |
| Deed Sale | Oct 02, 2020 · Amount on Record |
| Prior Sale | Sep 04, 2013 · Amount on Record |
| Deed Document Number | 202061308 |
| Deed Book / Page | 3895 / 270 |
| Prior Transfer Date | Apr 09, 2010 |
| Prior Transfer Doc | 0027341822 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Oct 02, 2020 |
| Property Address | 14545 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Number | 0038950270 |
| Book / Page | 003895 / 000270 |
| Instrument Date | Oct 02, 2020 |
| Instrument | 61308 |
| Transaction Type | Transfer |
| Record Updated | Nov 02, 2020 |
| Title Company | SOUTHEAST TITLE/THE SUNCOAST |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,274.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14545 SILVERSMITH CIR SPRING HILL FL 346090388, SPRING HILL, FL 34609-0388 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 14545 SILVERSMITH CIR, SPRING HILL, FL 34609-0388 |
| Document Number | 0035570222 |
| Instrument Date | Feb 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 14545 SILVERSMITH CIR SPRING HILL FL 346090388, SPRING HILL, FL 34609-0388 |
| Document Number | 0035570222 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 003557/000222 |
| Instrument | 11869 |
| Name | SUNTRUST BK/TALLAHASSEE |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 26, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,157.00 (+105.14%) Homeowner's exemption Widower's exemption | $86,643 (+5.99%) | $190,876 (-4.65%) Land $19,277 Building $171,599 |
| 2023 | $81,749 (+3%) Land $81,749 | ||
| 2022 | $564.00 Homeowner's exemption | $79,368 | $200,180 Land $19,277 Building $180,903 |
Source: FEMA National Flood Hazard Layer, Hernando County (12053C), as of April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120530409092, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 338 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL6277059, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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