Hernando County property record for 5021 Lydia Ct, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,470 sqft · built 1987 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,430 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5230-1586-0340 |
| Primary APN | R32-323-17-5230-1586-0340 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,470 sqft Living Area |
| Gross Area | 3,781 sqft |
| 1st Floor Area | 2,470 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Screened Porch |
| Porch Area | 1,681 sqft |
| Patio Area | 270 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00635735 |
|---|---|
| Street Address | 5021 LYDIA CT |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-2627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 23 BLK 1586 LOT 34 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 23 |
| Legal Block | 1586 |
| Legal Lot Number | 34 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 41201 |
Source: Hernando County records · APN R32-323-17-5230-1586-0340
Assessment roll updated December 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP |
| May 04, 2026 | Quit Claim Deed, Transfer · VA Mortgage TRANSTAR NATIONAL TITLE |
| Sep 27, 2019 | Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 04, 2026 |
| Deed Sale | May 04, 2026 |
| Deed Document Number | 202628948 |
| Deed Book / Page | 4702 / 757 |
| Prior Transfer Date | Apr 11, 2026 |
| Prior Transfer Doc | 0000028948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Document Number | 0040580759 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 4058/759 |
| Instrument | 2021070673 |
| Name | FIRST GUARANTY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 04, 2026 |
| Property Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Document Number | 0000028948 |
| Book / Page | 4702 / 757 |
| Instrument Date | Apr 11, 2026 |
| Instrument | 202628948 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Document Number | 0000028949, |
|---|---|
| Date | May 04, 2026 |
| Book Page | 4702/760 |
| Instrument | 202628949 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 5021 LYDIA CT, SPRING HILL, FL 34608-2627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | EAGLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0037551154 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 3755/1154 |
| Instrument | 2019060896 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRIDGEWATER, VT 05034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,430.00 (+42.19%) Homeowner's exemption | $161,253 (+5.99%) | $354,347 (-8.32%) Land $37,050 Building $317,297 |
| 2023 | $152,144 (+3%) Land $152,144 | ||
| 2022 | $1,709.00 Homeowner's exemption | $147,713 | $386,520 Land $35,625 Building $350,895 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Global Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 169 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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