4522 Copper Hill Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 4522 Copper Hill Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,362 sqft · built 2005
Lot Size	0.183 acres (7,975 sqft)
Owner	Company Name on Record
Last Sale	$118,000 (Nov 2017)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R09-223-18-3602-041B-0100`

Property Details

APN / Parcel Number

Primary APN	`R09-223-18-3602-041B-0100`
Alternative APNs	`01535663` `1535663`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,362 sqft Living Area
Gross Area	3,159 sqft
1st Floor Area	2,362 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,975 sqft (0.183 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	171 sqft
Patio Area	769 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01535663
Street Address	4522 COPPER HILL DR
City	SPRING HILL
State	FL
Zip	34609-0422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STERLING HILL PHASE 1B BLK 41B LOT 10
Legal Range	18E
Legal Township	23S
Legal Section	09
Legal Subdivision	STERLING HILL PH 1B
Legal Block	41B
Legal Lot Number	10
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1032
Census Tract	40909

Owner

Source: Hernando County records, as of September 30, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2017 · Amount on Record
Deed Sale	Nov 3, 2017 · Amount on Record
Prior Sale	Dec 11, 2009 · Amount on Record
Deed Document Number	201762363
Deed Book / Page	3522 / 667
Prior Transfer Date	Nov 2, 2017
Prior Transfer Doc	0035220667
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Sep 11, 2026
Property Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422
Document Number	0000061771
Book / Page	4759 / 771
Instrument Date	Aug 31, 2026
Instrument	202661771
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422

Mortgage

Document Number	0000061771,
Date	Sep 11, 2026
Book Page	4759/771
Instrument	202661771

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037650584
Date	Oct 23, 2019
Book Page	3765/0584
Instrument	2019067011

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 24, 2018
Property Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422
Document Number	0036061448
Book / Page	003606 / 001448
Instrument Date	Jul 18, 2018
Instrument	44843
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4522 COPPER HILL DR SPRING HILL FL 346090422, SPRING HILL, FL 34609-0422

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 3, 2017
Property Address	4522 COPPER HILL DR, SPRING HILL, FL 34609-0422
Document Number	0035220667
Book / Page	003522 / 000667
Instrument Date	Nov 2, 2017
Instrument	62363
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$826.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23130 BAY AVE FLUSHING NY 113631232, FLUSHING, NY 11363-1232

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	$4,336.00 (+81.88%) Homeowner's exemption Disabled Person's exemption	$213,606 (+5.99%)	$322,810 (-13.2%) Land $22,350 Building $300,460
2023		$201,540 (+3%) Land $201,540
2022	$2,384.00 Homeowner's exemption Disabled Person's exemption	$195,670	$371,909 Land $22,350 Building $349,559

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
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 26 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 99.1% of the US · lower than 98.7% 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 317 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	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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