4291 Cavehill Rd, Spring Hill, FL 34606 Property Records

Hernando County property record for 4291 Cavehill Rd, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1985
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Dec 2013)
Tax Bill	$1,989 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Mar 2019 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R10-223-17-1424-0000-0570`

Property Details

APN / Parcel Number

Primary APN	`R10-223-17-1424-0000-0570`
Alternative APNs	`00944679` `944679`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	2,334 sqft
1st Floor Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Patio
Porch Area	900 sqft
Deck Area	100 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00944679
Street Address	4291 CAVEHILL RD
City	SPRING HILL
State	FL
Zip	34606-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERKELEY MANOR PHASE I LOT 57
Legal Range	17E
Legal Township	23S
Legal Section	10
Legal Subdivision	BERKELEY MANOR PHASE I
Legal Lot Number	57
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1007
Census Tract	41203

Owner

4291 Cavehill Rd is owned and occupied by an individual who bought it in December 2013.

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

Owner of Record	Individual Name on File
Mailing Address	4291 CAVEHILL RD, SPRING HILL, FL 34606-1906
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
Jul 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Mar 18, 2019	Deed of Trust, Mortgage · Reverse Mortgage LIBERTY HOME EQUITY SOLUTIONS INC
Mar 13, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2013 · Amount on File
Deed Sale	Dec 31, 2013 · Amount on File
Prior Sale	Aug 27, 1996 · Amount on File
Deed Document Number	201371518
Deed Book / Page	3064 / 881
Transfer Doc	1762000218
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4291 CAVEHILL RD, SPRING HILL, FL 34606-1906
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4291 CAVEHILL RD, SPRING HILL, FL 34606-1906

Mortgage

Document Number	0041910271
Date	Jul 1, 2022
Book Page	4191/271
Instrument	2022050833

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.44%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.4%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4291 CAVEHILL RD, SPRING HILL, FL 34606-1906
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036810141
Date	Mar 18, 2019
Book Page	3681/0141
Instrument	2019016240

Lender

Name	LIBERTY HOME EQUITY SOLUTIONS INC
Type	Reverse Mortgage Lender
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.73%
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4291 CAVEHILL RD, SPRING HILL, FL 34606-1906
Document Number	0036810154
Instrument Date	Mar 13, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4291 CAVEHILL RD SPRING HILL FL 346061906, SPRING HILL, FL 34606-1906

Mortgage

Document Number	0036810154
Date	Mar 18, 2019
Book Page	003681/000154
Instrument	16241

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1020 Months

Interest

Rate Type	Adjustable Rate
Rate	4.73%

Tax Assessment & Valuation

The 2025 property tax bill for 4291 Cavehill Rd was $1,989 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	$1,989.00 Homeowner's exemption	$126,045	$273,783 Land $40,000 Building $233,783
2023		$118,925 Land $118,925
2022	$1,205.00		$279,773 Land $40,000 Building $239,773

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

Flood

FEMA maps place 4291 Cavehill 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2017 · rainfall accumulation

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 4291 Cavehill Rd 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 144 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 / 50

May also be available: Verizon.

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