2124 Cottondale Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2124 Cottondale Ave, Spring Hill, FL 34608

Property Summary

Property Type	Care Home (Retirement, Nursing, Convalescent)
Details	3 bd · 2 ba · 2,799 sqft · built 1986
Lot Size	0.353 acres (15,385 sqft)
Owner	Individual Name on Record
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1396-0010`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1396-0010`
Alternative APNs	`00305761` `305761`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,799 sqft Gross Area
1st Floor Area	2,100 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,385 sqft (0.353 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Enclosed Porch
Porch Area	1,272 sqft
Deck Area	204 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00305761
Street Address	2124 COTTONDALE AVE
City	SPRING HILL
State	FL
Zip	34608-5310
Property Category	Commercial
Property Type	Commercial > Retail > Care Home (Retirement, Nursing, Convalescent)
Legal Description	SPRING HILL UNIT 21 BLK 1396 LOT 1 ORB 345 PG 695
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1396
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1005
Census Tract	41104

Owner

Source: Hernando County records, as of January 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2124 COTTONDALE AVE, SPRING HILL, FL 34608-5310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 16, 2006
Transfer Doc	0023191172
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jul 30, 2026
Property Address	2124 COTTONDALE AVE, SPRING HILL, FL 34608-5310
Document Number	0000051785
Book / Page	4742 / 737
Instrument Date	Jul 24, 2026
Instrument	202651785
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 COTTONDALE AVE, SPRING HILL, FL 34608-5310

Mortgage

Document Number	0000051785,
Date	Jul 30, 2026
Book Page	4742/737
Instrument	202651785

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 30, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2124 COTTONDALE AVE, SPRING HILL, FL 34608-5310
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 COTTONDALE AVE, SPRING HILL, FL 34608-5310

Mortgage

Document Number	0042540752
Date	Jan 4, 2023
Book Page	4254/752
Instrument	2023000245

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	276 Months
Due	Jan 3, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,832.00 (+121.37%) Homeowner's exemption	$160,807 (+4.72%)	$291,807 (+4.45%) Land $56,368 Building $235,439
2023		$153,553 Land $153,553
2022	$1,731.00		$279,378 Land $48,154 Building $231,224

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 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 / 1,000

May also be available: Hotwire Communications, Verizon.

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