4351 Merchant Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 4351 Merchant Ave, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 2021
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$212,900 (Jul 2021)
Tax Bill	$2,858 (2025)
Deeds & Mortgages	Jul 2020 Construction Loan Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5170-1155-0140`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5170-1155-0140`
Alternative APNs	`00626576` `626576`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,482 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
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
Parking Spaces	1 Parking Space
Porch	Finished/Screened Porch
Patio Area	240 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00626576
Street Address	4351 MERCHANT AVE
City	SPRING HILL
State	FL
Zip	34608-3339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 17 BLK 1155 LOT 14
Legal Range	17E
Legal Township	23S
Legal Section	12
Legal Subdivision	SPRING HILL UNIT 17
Legal Block	1155
Legal Lot Number	14
Legal Unit	17
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3043
Census Tract	41004

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4351 MERCHANT AVE, SPRING HILL, FL 34608-3339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Jul 19, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MIDFLORIDA CU
Dec 3, 2019	Warranty Deed, Transfer ALL PERFORMANCE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Dec 3, 2019 · Amount on Record
Deed Document Number	2021053802
Deed Book / Page	4028 / 596
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4351 MERCHANT AVE, SPRING HILL, FL 34608-3339
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	ALL PERFORMANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038661337
Date	Jul 23, 2020
Book Page	3866/1337
Instrument	2020044506

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	SPRING HILL, FL 34609

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 14, 2021

Interest

Rate Type	Adjustable Rate

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 19, 2021
Property Address	4351 MERCHANT AVE, SPRING HILL, FL 34608-3339
Document Number	0040280596
Book / Page	4028 / 596
Map Reference	MB 9 PG 31-46
Instrument Date	Jul 16, 2021
Instrument	2021053802
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 28, 2022
Title Company	ALL PERFORMANCE TITLE LLC, ALL PERFORMANCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,490.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2931 LANDOVER BLVD, 2931, SPRING HILL, FL 34608-7258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4351 MERCHANT AVE, SPRING HILL, FL 34608-3339
Investor	Possibly a Property Investor

Mortgage

Document Number	0004028597
Date	Jul 19, 2021
Instrument	4028/597

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 3, 2019
Property Address	4351 MERCHANT AVE, SPRING HILL, FL 34608-3339
Document Number	0037800141
Book / Page	003780 / 000141
Instrument Date	Dec 2, 2019
Instrument	75810
Transaction Type	Transfer
Record Updated	Jan 2, 2020
Title Company	ALL PERFORMANCE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$227.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2931 LANDOVER BLVD SPRING HILL FL 346087258, SPRING HILL, FL 34608-7258

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	$2,858.00 (+0.92%) Additional exemption filed	$239,638 (+5.99%)	$274,482 (+2.28%) Land $40,500 Building $233,982
2023		$226,101 (+3%) Land $226,101
2022	$2,832.00 Homeowner's exemption	$219,516	$268,367 Land $36,000 Building $232,367

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force

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	Not rated no burnable land within 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 412 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
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Tillman Fiber.

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