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14585 Silversmith Cir, Spring Hill, FL 34609 Property Records

Hernando County property record for 14585 Silversmith Cir, Spring Hill, FL 34609

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,217 sqft · built 2002
Lot Size0.128 acres (5,558 sqft)
Owner2 Individual Names on Record
Last Sale$250,000 (Jul 2024)
Tax Bill$1,060 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Aug 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNR11-223-18-3494-0000-67B0

Property Details

APN / Parcel Number

Primary APNR11-223-18-3494-0000-67B0
Alternative APNs
  • 01339411
  • 1339411

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,217 sqft Living Area
Gross Area1,879 sqft
1st Floor Area1,217 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2016
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,558 sqft (0.128 acres)
Garage TypeAttached
Garage Area482 sqft
Parking Spaces2 Parking Spaces
PorchScreened Porch
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number01339411
Street Address14585 SILVERSMITH CIR
CitySPRING HILL
StateFL
Zip34609-0388
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSILVERTHORN PH 4 STERLING RUN LOT 67B
Legal Range18E
Legal Township23S
Legal Section11
Legal SubdivisionSILVERTHORN PH 4 STERLING RUN
Legal Lot Number67B
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group2
Census Block2013
Census Tract40909

Owner

Source: Hernando County records, as of August 11, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address379 S RIVER BIRCH DR, SPRINGFIELD, MO 65809-3306
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jul 23, 2026Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Aug 7, 2024Warranty Deed, Transfer · VA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Aug 21, 2019Warranty Deed, Transfer
CHELSEA TITLE/THE NATURE COAST

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 25, 2024 · Amount on Record
Deed SaleJul 25, 2024 · Amount on Record
Prior SaleAug 21, 2019 · Amount on Record
Deed Document Number202446111
Deed Book / Page4451 / 495
Last Transfer DateMay 13, 2025
Transfer Doc0045631118
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Recording DateJul 23, 2026
Property Address14585 SILVERSMITH CIR, SPRING HILL, FL 34609-0388
Document Number0000049798
Book / Page4739 / 303
Instrument DateJul 10, 2026
Instrument202649798
Transaction TypeMortgage
Record UpdatedAug 11, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address14585 SILVERSMITH CIR, SPRING HILL, FL 34609-0388

Mortgage

Document Number0000049798,
DateJul 23, 2026
Book Page4739/303
Instrument202649798
Lender
NameBANK OF AMERICA
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 10, 2056
Interest
Rate6.52%
Max Rate-1%

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateAug 7, 2024
Property Address14585 SILVERSMITH CIR, SPRING HILL, FL 34609-0388
Document Number0044541420
Book / Page4454 / 1420
Map ReferenceMB 3 PG 40
Instrument DateJul 30, 2024
Instrument2024048286
Transaction TypeTransfer
Record UpdatedJun 9, 2026
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14585 SILVERSMITH CIR, SPRING HILL, FL 34609-0388

Transferred To (Grantee/Buyer)

NameVerified Name
Address16149 HODZA ST, BROOKSVILLE, FL 34604-7706

Mortgage

Document Number0044541422
DateAug 7, 2024
Book Page4454/1422
Instrument2024048287
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2054

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateAug 21, 2019
Property Address14585 SILVERSMITH CIR, SPRING HILL, FL 34609-0388
Document Number0037420380
Book / Page003742 / 000380
Instrument DateAug 16, 2019
Instrument52443
Transaction TypeTransfer
Record UpdatedSep 25, 2019
Title CompanyCHELSEA TITLE/THE NATURE COAST

Transaction

AmountAmount Recorded
Tax$1,015.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address14585 SILVERSMITH CIR SPRING HILL FL 346090388, SPRING HILL, FL 34609-0388

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 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$1,060.00 (+14.59%)$73,682 (-42.87%)$195,200 (+6.96%) Land $25,956 Building $169,244
2023$128,983 (+3%) Land $128,983
2022$925.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed$125,226$182,505 Land $25,956 Building $156,549

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.

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 500 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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