Hernando County property record for 2538 Commerce Ave, Spring Hill, FL 34609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,711 sqft · built 2003 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $7,900 (May 2001) |
| Tax Bill | $2,430 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5130-0818-0040 |
| Primary APN | R32-323-17-5130-0818-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,711 sqft Living Area |
| 1st Floor Area | 2,711 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 364 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 1,140 sqft |
| Deck Area | 21 sqft |
| Patio Area | 537 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00533195 |
|---|---|
| Street Address | 2538 COMMERCE AVE |
| City | SPRING HILL |
| State | FL |
| Zip | 34609-4526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 13 BLK 818 LOTS 4 & 5 |
| Legal Range | 18E |
| Legal Township | 23S |
| Legal Section | 22 |
| Legal Subdivision | SPRING HILL UNIT 13 |
| Legal Block | 818 |
| Legal Lot Number | 4-5 5 |
| Legal Unit | 13 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 40908 |
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 | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2538 COMMERCE AVE, SPRING HILL, FL 34609-4526 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2001 · Amount on Record |
| Deed Sale | May 21, 2001 · Amount on Record |
| Deed Document Number | 0142100015 |
| Deed Book / Page | 01421 / 00015 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 2538 COMMERCE AVE, SPRING HILL, FL 34609-4526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2538 COMMERCE AVE, SPRING HILL, FL 34609-4526 |
| Document Number | 0038760171 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 3876/171 |
| Instrument | 2020049867 |
| Name | GROW FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33619 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,430.00 (+1.08%) Additional exemption filed | $209,712 (+5.99%) | $485,934 (-0.06%) Land $67,810 Building $418,124 |
| 2023 | $197,866 (+3%) Land $197,866 | ||
| 2022 | $2,404.00 Homeowner's exemption | $192,103 | $486,209 Land $57,819 Building $428,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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.
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 |
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.
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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