Hernando County property record for 2046 Gold Rd, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,218 sqft · built 2005 |
| Lot Size | 0.241 acres (10,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,900 (Sep 2018) |
| Tax Bill | $3,736 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5120-0762-0090 |
| Primary APN | R32-323-17-5120-0762-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,218 sqft Living Area |
| Gross Area | 3,152 sqft |
| 1st Floor Area | 2,218 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,504 sqft (0.241 acres) |
| Lot Dimensions | 125 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,264 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00516132 |
|---|---|
| Street Address | 2046 GOLD RD |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-6039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 12 BLK 762 LOT 9 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 12 |
| Legal Block | 762 |
| Legal Lot Number | 9 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 40906 |
2046 Gold Rd is owned and occupied by an individual who bought it in September 2018.
Source: Hernando County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| 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 |
|---|---|
| Nov 29, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage GROW FINANCIAL FCU |
| Jan 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Sep 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2018 · Amount on File |
| Deed Sale | Sep 5, 2018 · Amount on File |
| Prior Sale | Aug 11, 2004 · Amount on File |
| Deed Document Number | 201853516 |
| Deed Book / Page | 3619 / 962 |
| Prior Transfer Date | Jul 22, 2004 |
| Prior Transfer Doc | 0019080277 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 29, 2022 |
| Property Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| Document Number | 0042430836 |
| Book / Page | 4243 / 836 |
| Map Reference | MB 8 PG 74-83 |
| Instrument Date | Nov 15, 2022 |
| Instrument | 2022084012 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3978 PUFFER TREE, SPRING HILL, FL 34609 |
| Name | Verified Name |
|---|---|
| Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| Document Number | 0004243838 |
|---|---|
| Date | Nov 29, 2022 |
| Instrument | 4243/838 |
| Name | GROW FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.37% |
| Type Change Date | Dec 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year T-Bill |
| Max Rate | 11.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| Document Number | 0037991304 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2046 GOLD RD SPRING HILL FL 346096039, SPRING HILL, FL 34609-6039 |
| Document Number | 0037991304 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 003799/001304 |
| Instrument | 5335 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 5, 2018 |
| Property Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| Document Number | 0036190962 |
| Book / Page | 3619 / 0962 |
| Map Reference | MB8 PG74 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018053516 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,679.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11421 DEERCROFT CT, 11421, SPRING HILL, FL 34609-9690 |
| Name | Verified Name |
|---|---|
| Address | 2046 GOLD RD, SPRING HILL, FL 34609-6039 |
| Document Number | 2018053517 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 2018053517 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 2046 Gold Rd was $3,736.
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 | $3,736.00 | $252,718 | $366,374 Land $39,915 Building $326,459 |
| 2023 | $238,443 (+3%) Land $238,443 | ||
| 2022 | $3,020.00 Homeowner's exemption | $231,498 | $369,889 Land $35,425 Building $334,464 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2046 Gold Rd 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 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2011–2024) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 2046 Gold Rd is low, with less than 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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 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 | 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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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