2190 Cottondale Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2190 Cottondale Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,182 sqft · built 1988
Lot Size	0.251 acres (10,924 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Mar 2018)
Tax Bill	$3,712 (2025)
Deeds & Mortgages	Nov 2020 Second Mortgage Jul 2019 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1399-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1399-0060`
Alternative APNs	`00306485` `306485`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,182 sqft Living Area
Gross Area	3,047 sqft
1st Floor Area	2,182 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,924 sqft (0.251 acres)
Lot Dimensions	125 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Screened Porch
Porch Area	1,318 sqft
Deck Area	112 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00306485
Street Address	2190 COTTONDALE AVE
City	SPRING HILL
State	FL
Zip	34608-5312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1399 LOTS 6 & 7 ORB 344 PG 005 ORB 318 PG734
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1399
Legal Lot Number	6,7
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1002
Census Tract	41104

Owner

2190 Cottondale Ave is owned and occupied by two individuals who acquired it in July 2019.

Source: Hernando County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Jul 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY
May 13, 2019	Warranty Deed, Transfer GODEEDS INC
Mar 6, 2018	Warranty Deed, Transfer SOUTHEAST TITLE COMPANY
May 9, 2017	Warranty Deed, Transfer SOUTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2018 · Amount on File
Deed Sale	Mar 6, 2018 · Amount on File
Prior Sale	Apr 1, 2017 · Amount on File
Deed Document Number	201813096
Deed Book / Page	3559 / 156
Last Transfer Date	Jul 16, 2019
Transfer Doc	0037311420
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039161645
Date	Nov 24, 2020
Book Page	3916/1645
Instrument	2020073887

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 15, 2040

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 24, 2019
Property Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
Document Number	0037311420
Book / Page	003731 / 001420
Instrument Date	Jul 16, 2019
Instrument	45997
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2190 COTTONDALE AVE SPRING HILL FL 346085312, SPRING HILL, FL 34608-5312

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 13, 2019
Property Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
Document Number	0037020975
Book / Page	003702 / 000975
Instrument Date	May 10, 2019
Instrument	28931
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	GODEEDS INC

Transaction

Amount	Amount on Record
Tax	$1.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2190 COTTONDALE AVE SPRING HILL FL 346085312, SPRING HILL, FL 34608-5312

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 6, 2018
Property Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
Document Number	0035590156
Book / Page	003559 / 000156
Instrument Date	Feb 22, 2018
Instrument	13096
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,659.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2190 COTTONDALE AVE SPRING HILL FL 346085312, SPRING HILL, FL 34608-5312

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 9, 2017
Property Address	2190 COTTONDALE AVE, SPRING HILL, FL 34608-5312
Document Number	0034671369
Book / Page	003467 / 001369
Instrument Date	Apr 10, 2017
Instrument	26085
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,347.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2190 COTTONDALE AVE SPRING HILL FL 346085312, SPRING HILL, FL 34608-5312

Tax Assessment & Valuation

The 2025 property tax bill for 2190 Cottondale Ave was $3,712 with a homeowner's exemption.

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	$3,712.00 Homeowner's exemption	$250,051	$400,051 Land $83,022 Building $317,029
2023		$235,926 (+3%) Land $235,926
2022	$2,982.00 Homeowner's exemption	$229,054	$380,903 Land $71,006 Building $309,897

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

Flood

FEMA maps place 2190 Cottondale Ave 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
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

Wildfire risk around 2190 Cottondale Ave is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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