2231 Gold Rd, Spring Hill, FL 34609 Property Records

Hernando County property record for 2231 Gold Rd, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,285 sqft · built 2003
Lot Size	0.354 acres (15,429 sqft)
Owner	2 Individual Names on File
Last Sale	$140,900 (Sep 2003)
Tax Bill	$3,485 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0786-0100`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0786-0100`
Alternative APNs	`00526817` `526817`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,285 sqft Living Area
Gross Area	3,003 sqft
1st Floor Area	2,285 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,429 sqft (0.354 acres)
Lot Dimensions	129 ft deep x 121 ft wide
Garage Type	Attached
Garage Area	441 sqft
Porch	Screened Porch
Porch Area	277 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00526817
Street Address	2231 GOLD RD
City	SPRING HILL
State	FL
Zip	34609-5156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 786 LOT 10
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	786
Legal Lot Number	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1019
Census Tract	40906

Owner

2231 Gold Rd is owned and occupied by two individuals who acquired it in May 2023.

Source: Hernando County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2231 GOLD RD, SPRING HILL, FL 34609-5156
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 1, 2026	Deed of Trust, Mortgage · Line of Credit HERNANDO COUNTY BANK
Jun 27, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2003 · Amount on File
Deed Sale	Sep 26, 2003 · Amount on File
Prior Sale	Mar 19, 2003 · Amount on File
Deed Book / Page	1732 / 1658
Last Transfer Date	May 13, 2023
Transfer Doc	0043140603
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Apr 1, 2026
Property Address	2231 GOLD RD, SPRING HILL, FL 34609-5156
Document Number	0000021770
Book / Page	4690 / 478
Instrument Date	Aug 9, 2024
Instrument	202621770
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2231 GOLD RD, SPRING HILL, FL 34609-5156

Mortgage

Document Number	0000021770,
Date	Apr 1, 2026
Book Page	4690/478
Instrument	202621770

Lender

Name	HERNANDO COUNTY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2036

Interest

Rate	6.89%
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jun 27, 2023
Property Address	2231 GOLD RD, SPRING HILL, FL 34609-5156
Document Number	0043140603
Book / Page	4314 / 603
Map Reference	MB 8 PG 84-100
Instrument Date	May 13, 2023
Instrument	2023040128
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 S ADAMS ST, BEVERLY HILLS, FL 34465-4345

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	510 S ADAMS ST, BEVERLY HILLS, FL 34465-4345

Tax Assessment & Valuation

The 2025 property tax bill for 2231 Gold Rd was $3,485.

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	$3,485.00	$235,138	$315,729 Land $57,859 Building $257,870
2023		$220,409 (+78.57%) Land $220,409
2022	$2,847.00 Homeowner's exemption	$123,431	$313,684 Land $49,373 Building $264,311

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

Flood

FEMA maps place 2231 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

Wildfire risk around 2231 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 99.1% of the US · lower than 98.7% 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 344 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

May also be available: Verizon.

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