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4359 Merchant Ave, Spring Hill, FL 34608 Property Records

Hernando County property record for 4359 Merchant Ave, Spring Hill, FL 34608

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,146 sqft · built 1983
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$70,500 (May 2014)
Tax Bill$176 (2025)
Deeds & MortgagesJun 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APNR32-323-17-5170-1155-0150

Property Details

APN / Parcel Number

Primary APNR32-323-17-5170-1155-0150
Alternative APNs
  • 00626594
  • 626594

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms4 Rooms
Stories1 Story
Building Area1,146 sqft Living Area
1st Floor Area1,146 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1996
Exterior MaterialStucco
Construction TypeConcrete
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area164 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00626594
Street Address4359 MERCHANT AVE
CitySPRING HILL
StateFL
Zip34608-3339
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 17 BLK 1155 LOT 15
Legal Range17E
Legal Township23S
Legal Section12
Legal SubdivisionSPRING HILL UNIT 17
Legal Block1155
Legal Lot Number15
Legal Unit17
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group3
Census Block3043
Census Tract41004

Owner

4359 Merchant Ave is owned and occupied by an individual who bought it in May 2014.

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

Owner of RecordIndividual Name on File
Mailing Address4359 MERCHANT AVE, SPRING HILL, FL 34608-3339
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 6, 2014 · Amount on File
Deed SaleMay 6, 2014 · Amount on File
Deed Document Number2014022811
Deed Book / Page3092 / 1333
Record UpdatedJun 8, 2026

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Property Address4359 MERCHANT AVE, SPRING HILL, FL 34608-3339
Document Number0037181762
Instrument DateJun 6, 2019
Transaction TypeMortgage
Record UpdatedJul 23, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address4359 MERCHANT AVE SPRING HILL FL 346083339, SPRING HILL, FL 34608-3339

Mortgage

Document Number0037181762
DateJun 24, 2019
Book Page003718/001762
Instrument39198
Lender
NameSUNCOAST CU
AddressTAMPA, FL 33680
Agreement
TypeLine of Credit
AmountAmount on Record
Term216 Months
DueJun 23, 2037
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4359 Merchant Ave was $176 with an additional exemption.

Source: Hernando County assessment roll, as of October 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$176.00 Additional exemption filed$62,793$177,302 Land $40,500 Building $136,802
2023$59,246 (+4.11%) Land $59,246
2022$156.00 Homeowner's exemption$56,905$172,733 Land $36,000 Building $136,733

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

Flood

FEMA maps place 4359 Merchant Ave 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 14 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies14 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

The area around 4359 Merchant Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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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