432 Tryon Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 432 Tryon Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,767 sqft · built 1987
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jan 2026)
Tax Bill	$4,342 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5040-0203-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5040-0203-0040`
Alternative APNs	`00244140` `244140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,767 sqft Living Area
Gross Area	2,670 sqft
1st Floor Area	1,767 sqft
Flooring	Carpet

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2000
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,500 sqft (0.287 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,395 sqft
Deck Area	135 sqft
Patio Area	525 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	00244140
Street Address	432 TRYON CIR
City	SPRING HILL
State	FL
Zip	34606-5243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 4 BLK 203 LOT 4 ORB 297 PG 129
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 4
Legal Block	203
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1027
Census Tract	41402

Owner

Source: Hernando County records, as of June 17, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	432 TRYON CIR, SPRING HILL, FL 34606-5243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 24, 2024	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	May 5, 2025 · Amount on Record
Deed Document Number	20263211
Deed Book / Page	4658 / 502
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	0039100469
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Jun 8, 2026
Property Address	432 TRYON CIR, SPRING HILL, FL 34606-5243
Document Number	0000038721
Book / Page	4719 / 1841
Instrument Date	May 29, 2026
Instrument	202638721
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10266 FEATHER RIDGE DR, WEEKI WACHEE, FL 34613-3522

Mortgage

Document Number	0000038721,
Date	Jun 8, 2026
Book Page	4719/1841
Instrument	202638721

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2056

Interest

Rate	6.3%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 20, 2026
Property Address	432 TRYON CIR, SPRING HILL, FL 34606-5243
Document Number	0046580502
Book / Page	4658 / 502
Map Reference	MB 7 PG 87-95
Instrument Date	Jan 12, 2026
Instrument	2026003211
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	MILESTONE TITLE SERVICES, MILESTONE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3614 LANDINGS WAY DR # DR305, DR305, TAMPA, FL 33624-3015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 TRVON CIRCLE, SPRING HILL, FL 34606-5243

Mortgage

Document Number	0004658504
Date	Jan 20, 2026
Instrument	4658/504

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 24, 2024
Property Address	432 TRYON CIR, SPRING HILL, FL 34606-5243
Document Number	0044131439
Book / Page	4413 / 1439
Map Reference	MB 7 PG 87-95
Instrument Date	Apr 5, 2024
Instrument	2024022883
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2287 ARDENWOOD DR, SPRING HILL, FL 34609-4009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2287 ARDENWOOD DR, SPRING HILL, FL 34609-4009

Tax Assessment & Valuation

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	$4,342.00 (+431.46%)	$255,699 (+173.85%) Land $36,219 Building $219,480	$255,699 (+3.29%) Land $36,219 Building $219,480
2023		$93,373 (+39.79%) Land $93,373
2022	$817.00 Homeowner's exemption	$66,797	$247,548 Land $33,250 Building $214,298

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2020–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2021 · other causes

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 216 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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