2218 Cottondale Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 2218 Cottondale Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1974
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$73,000 (Apr 2010)
Tax Bill	$471 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1399-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1399-0030`
Alternative APNs	`00306458` `306458`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	1,128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	752 sqft
Patio Area	84 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00306458
Street Address	2218 COTTONDALE AVE
City	SPRING HILL
State	FL
Zip	34608-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1399 LOT 3 ORB 359 PG 315
Legal Range	17E
Legal Township	23S
Legal Section	23
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1399
Legal Lot Number	3
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1002
Census Tract	41104

Owner

2218 Cottondale Ave is owned and occupied by an individual who bought it in April 2010.

Source: Hernando County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2218 COTTONDALE AVE, SPRING HILL, FL 34608-5315
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
Apr 22, 2024	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2010 · Amount on File
Deed Sale	Apr 6, 2010 · Amount on File
Deed Document Number	2010018393
Deed Book / Page	2731 / 1990
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2218 COTTONDALE AVE, SPRING HILL, FL 34608-5315
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 COTTONDALE AVE, SPRING HILL, FL 34608-5315

Mortgage

Document Number	0044110871
Date	Apr 22, 2024
Book Page	4411/871
Instrument	2024021800

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2044

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2218 COTTONDALE AVE, SPRING HILL, FL 34608-5315
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2218 COTTONDALE AVE, SPRING HILL, FL 34608-5315

Mortgage

Document Number	0039831478
Date	Apr 19, 2021
Book Page	3983/1478
Instrument	2021027344

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2218 Cottondale Ave was $471 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 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	$471.00 Additional exemption filed	$68,301	$186,605 Land $38,000 Building $148,605
2023		$64,443 Land $64,443
2022	$471.00		$144,093 Land $32,500 Building $111,593

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

Flood

FEMA maps place 2218 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 2218 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.

Nearby Properties on Cottondale Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures