Hernando County property record for 5038 Cumberland Ln, Spring Hill, FL 34607
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,016 sqft · built 1992 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $182,000 (Jul 2008) |
| Tax Bill | $4,477 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | R09-223-17-2643-0011-0020 |
| Primary APN | R09-223-17-2643-0011-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,016 sqft Living Area |
| 1st Floor Area | 3,016 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 624 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 1,135 sqft |
| Deck Area | 102 sqft |
| Patio Area | 102 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 01051523 |
|---|---|
| Street Address | 5038 CUMBERLAND LN |
| City | SPRING HILL |
| State | FL |
| Zip | 34607-2309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE IN THE WOODS PHASE III BLK 11 LOT 2 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 09 |
| Legal Subdivision | LAKE IN THE WOODS PH III |
| Legal Phase | 3 |
| Legal Block | 11 |
| Legal Lot Number | 2 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | HERNANDO BEACH |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 41502 |
The current owner of 5038 Cumberland Ln bought it in July 2008.
Source: Hernando County records, as of December 10, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 5038 CUMBERLAND LN, SPRING HILL, FL 34607-2309 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2008 · Amount on File |
| Deed Sale | Jul 11, 2008 · Amount on File |
| Prior Sale | Apr 30, 2007 |
| Deed Document Number | 2008037850 |
| Deed Book / Page | 2578 / 0112 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 5038 Cumberland Ln was $4,477 with an additional exemption.
Source: Hernando County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,477.00 Additional exemption filed | $358,065 Land $45,938 Building $312,127 | $358,065 Land $45,938 Building $312,127 |
| 2023 | $266,860 Land $266,860 | ||
| 2022 | $4,528.00 | $341,839 Land $45,938 Building $295,901 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5038 Cumberland Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 46 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 46 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2021 · tidal / storm surge |
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 risk around 5038 Cumberland Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 268 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 |
| Spectrum Cable | 1,000 / 35 |
May also be available: Verizon.
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