4360 Talco Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 4360 Talco Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,976 sqft · built 1987
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Sep 2025)
Tax Bill	$3,953 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5160-1048-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5160-1048-0050`
Alternative APNs	`00579662` `579662`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	282 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00579662
Street Address	4360 TALCO AVE
City	SPRING HILL
State	FL
Zip	34609-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 16 BLK 1048 LOT 5
Legal Range	18E
Legal Township	23S
Legal Section	08
Legal Subdivision	SPRING HILL UNIT 16
Legal Block	1048
Legal Lot Number	5
Legal Unit	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3031
Census Tract	41006

Owner

4360 Talco Ave is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4360 TALCO AVE, SPRING HILL, FL 34609-2056
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
Sep 17, 2025	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 2, 2018	Loan Modification, Mortgage · Conventional Mortgage FIRST GUARANTY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Prior Sale	Nov 7, 2024 · Amount on File
Deed Document Number	2025064991
Deed Book / Page	4611 / 315
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 17, 2025
Property Address	4360 TALCO AVE, SPRING HILL, FL 34609-2056
Document Number	0046110315
Book / Page	4611 / 315
Map Reference	MB 9 PG 18
Instrument Date	Sep 12, 2025
Instrument	2025064991
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8360 NUZUM RD, WEEKI WACHEE, FL 34613-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4360 TALCO AVE, SPRING HILL, FL 34609-2056

Mortgage

Document Number	0004611317
Date	Sep 17, 2025
Instrument	4611/317

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	4360 TALCO AVE, SPRING HILL, FL 34609-2056
Document Number	0036441642
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4360 TALCO AVE SPRING HILL FL 346092056, SPRING HILL, FL 34609-2056

Mortgage

Document Number	0036441642
Date	Nov 21, 2018
Book Page	003644/001642
Instrument	70134

Lender

Name	FIRST GUARANTY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Nov 20, 2046

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

The 2025 property tax bill for 4360 Talco Ave was $3,953, down 33.8% from the year before.

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	$3,953.00 (-33.79%)	$276,946 (+35.25%) Land $42,877 Building $234,069	$276,946 (+2.3%) Land $42,877 Building $234,069
2024	$5,970.00	$204,766 (+1%)	$270,729 Land $33,411 Building $237,318
2023		$186,151 (-26.1%) Land $186,151
2022	$3,356.00	$251,893 Land $25,726 Building $226,167	$269,676 Land $35,638 Building $234,038

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

Flood

FEMA maps place 4360 Talco 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2004–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2014 · 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

Wildfire risk around 4360 Talco Ave is low, with less than 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 99.1% of the US · lower than 98.7% 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.

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 358 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Nearby Properties on Talco Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures