Hernando County property record for 15041 Silversmith Cir, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,228 sqft · built 2002 |
| Lot Size | 0.134 acres (5,832 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,647 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Jul 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R11-223-18-3494-0000-70A0 |
| Primary APN | R11-223-18-3494-0000-70A0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| Gross Area | 1,839 sqft |
| 1st Floor Area | 1,228 sqft |
| Flooring | Combination, Other |
| 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 | 5,832 sqft (0.134 acres) |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 280 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 757 sqft |
| Patio Area | 98 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01339466 |
|---|---|
| Street Address | 15041 SILVERSMITH CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-0390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVERTHORN PH 4 STERLING RUN LOT 70A |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 11 |
| Legal Subdivision | SILVERTHORN PH 4 STERLING RUN |
| Legal Lot Number | 70A |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 40909 |
Source: Hernando County records, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jul 22, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN ADVISORS |
| Jun 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Mar 16, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/TALLAHASSEE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2002 |
| Deed Sale | May 31, 2002 |
| Prior Sale | Oct 1, 2001 · Amount on Record |
| Deed Book / Page | 1536 / 801 |
| Last Transfer Date | Oct 25, 2004 |
| Transfer Doc | 0019190529 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 15041 SILVERSMITH CIR, BROOKSVILLE, FL 34609-0390 |
| Document Number | 0041910992 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 4191/992 |
| Instrument | 2022051032 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 16, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 15041 SILVERSMITH CIR, BROOKSVILLE, FL 34609-0390 |
| Document Number | 0040300047 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 4030/47 |
| Instrument | 2021054831 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Document Number | 0038020212 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2020 |
| Title Company | CHANCELLOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 15041 SILVERSMITH CIR SPRING HILL FL 346090390, SPRING HILL, FL 34609-0390 |
| Document Number | 0038020212 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 003802/000212 |
| Instrument | 6914 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868-1638 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Document Number | 0037181540 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Address | 15041 SILVERSMITH CIR BROOKSVILLE FL 346090390, BROOKSVILLE, FL 34609-0390 |
| Document Number | 0037181540 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 003718/001540 |
| Instrument | 39133 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 15041 SILVERSMITH CIR, SPRING HILL, FL 34609-0390 |
| Document Number | 0035660023 |
| Instrument Date | Mar 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 15041 SILVERSMITH CIR BROOKSVILLE FL 346090390, BROOKSVILLE, FL 34609-0390 |
| Document Number | 0035660023 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 003566/000023 |
| Instrument | 17774 |
| Name | SUNTRUST BK/TALLAHASSEE |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,647.00 (+55.52%) Homeowner's exemption | $115,900 (+5.99%) | $201,611 (+0.15%) Land $27,235 Building $174,376 |
| 2023 | $109,353 (+3%) Land $109,353 | ||
| 2022 | $1,059.00 Homeowner's exemption | $106,168 | $201,305 Land $27,235 Building $174,070 |
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 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 |
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 |
|---|
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 | 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 Fixed Wireless | 100 / 20 |
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