4806 Copper Hill Dr, Spring Hill, FL 34609 Property Records

Hernando County property record for 4806 Copper Hill Dr, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,181 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$249,000 (Oct 2017)
Tax Bill	$3,406 (2025)
Deeds & Mortgages	Sep 2025 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R09-223-18-3602-041B-0020`

Property Details

APN / Parcel Number

Primary APN	`R09-223-18-3602-041B-0020`
Alternative APNs	`01535583` `1535583`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,181 sqft Living Area
1st Floor Area	2,640 sqft
Upper Floors Area	541 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
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)
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	235 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01535583
Street Address	4806 COPPER HILL DR
City	SPRING HILL
State	FL
Zip	34609-0415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STERLING HILL PHASE 1B BLK 41B LOT 2
Legal Range	18E
Legal Township	23S
Legal Section	10
Legal Subdivision	STERLING HILL PH 1B
Legal Phase	1B
Legal Block	41B
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1032
Census Tract	40909

Owner

4806 Copper Hill Dr is owner-occupied and held in a trust since September 2025.

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

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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 10, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 5, 2021	Deed of Trust, Mortgage · VA Mortgage GERSHMAN INVESTMENT CORP
Oct 27, 2017	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	0035200114
Deed Book / Page	3520 / 0114
Last Transfer Date	Sep 10, 2025
Transfer Doc	0046071392
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Sep 10, 2025
Property Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415
Document Number	0046071392
Book / Page	4607 / 1392
Map Reference	MB 34 PG 23-33
Instrument Date	Aug 27, 2025
Instrument	2025062894
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415

Mortgage

Document Number	0039490572
Date	Feb 5, 2021
Book Page	3949/572
Instrument	2021008099

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 27, 2017
Property Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415
Document Number	0035200114
Book / Page	3520 / 0114
Map Reference	MB34 PG23-33
Instrument Date	Oct 24, 2017
Instrument	2017061168
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CHELSEA TITLE OF THE NATURE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19718 LAKE OSCEOLA LN, 19718, ODESSA, FL 33556-1711

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4806 COPPER HILL DR, SPRING HILL, FL 34609-0415

Mortgage

Document Number	2017061169
Date	Oct 27, 2017
Instrument	2017061169

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4806 Copper Hill Dr was $3,406 with an additional exemption, down 44.7% 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	$3,406.00 (-44.68%) Additional exemption filed	$278,062 (+2.9%)	$429,465 (-7.29%) Land $27,671 Building $401,794
2024	$6,157.00 Additional exemption filed	$270,225 (+3%)	$463,229 Land $27,671 Building $435,558
2023		$262,354 Land $262,354
2022	$3,383.00		$463,229 Land $27,671 Building $435,558

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

Flood

FEMA maps place 4806 Copper Hill Dr 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4806 Copper Hill Dr is low, with 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	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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