2469 Commerce Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 2469 Commerce Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Nov 2018)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5130-0819-0110`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5130-0819-0110`
Alternative APNs	`00533569` `533569`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,790 sqft Living Area
1st Floor Area	1,790 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Concrete
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
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	271 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00533569
Street Address	2469 COMMERCE AVE
City	SPRING HILL
State	FL
Zip	34609-4525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 13 BLK 819 LOT 11
Legal Range	18E
Legal Township	23S
Legal Section	22
Legal Subdivision	SPRING HILL UNIT 13
Legal Block	819
Legal Lot Number	11
Legal Unit	13
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1061
Census Tract	40908

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2469 COMMERCE AVE, SPRING HILL, FL 34609-4525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 2, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Apr 30, 2004
Deed Document Number	2018066595
Deed Book / Page	3639 / 0523
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2469 COMMERCE AVE, SPRING HILL, FL 34609-4525
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2469 COMMERCE AVE, SPRING HILL, FL 34609-4525

Mortgage

Document Number	0040790925
Date	Nov 2, 2021
Book Page	4079/925
Instrument	2021082615

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Nov 1, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 2, 2018
Property Address	2469 COMMERCE AVE, SPRING HILL, FL 34609-4525
Document Number	0036390523
Book / Page	3639 / 0523
Map Reference	MB8 PG84-100
Instrument Date	Oct 29, 2018
Instrument	2018066595
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	SOUTHEAST TITLE OF THE SUNCO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2469 COMMERCE AVE, SPRING HILL, FL 34609-4525

Mortgage

Document Number	2018066596
Date	Nov 2, 2018
Instrument	2018066596

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

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	$1,944.00 (+1.51%) Additional exemption filed	$175,634 (+5.99%)	$284,003 (+5.12%) Land $37,500 Building $246,503
2023		$165,713 (+3%) Land $165,713
2022	$1,915.00 Homeowner's exemption	$160,886	$270,183 Land $32,000 Building $238,183

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 368 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
Spectrum Cable	1,000 / 1,000

May also be available: Tillman Fiber, Verizon.

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