5105 Carnation Ct, Spring Hill, FL 34607 Property Records

Hernando County property record for 5105 Carnation Ct, Spring Hill, FL 34607

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,125 sqft · built 1999
Lot Size	0.232 acres (10,121 sqft)
Owner	Individual Name on Record
Tax Bill	$1,851 (2025)
Deeds & Mortgages	Nov 2023 Transfer Apr 2018 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R10-223-17-3249-0000-3030`

Property Details

APN / Parcel Number

Primary APN	`R10-223-17-3249-0000-3030`
Alternative APNs	`01250434` `1250434`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,125 sqft Living Area
Gross Area	2,849 sqft
1st Floor Area	2,125 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	10,121 sqft (0.232 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Open Porch
Porch Area	1,349 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01250434
Street Address	5105 CARNATION CT
City	SPRING HILL
State	FL
Zip	34607-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGENCY OAKS PHASE 2 UNIT 6 LOT 303
Legal Range	17E
Legal Township	23S
Legal Section	10
Legal Subdivision	REGENCY OAKS UNIT 6 PH 2
Legal Lot Number	303
Jurisdiction	HERNANDO FL
Township / Civil Division	HERNANDO BEACH
Census Block Group	2
Census Block	2022
Census Tract	41502

Owner

Source: Hernando County records, as of March 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 18, 2018	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Dec 9, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2015
Deed Sale	Feb 2, 2015
Prior Sale	Jun 19, 2012
Deed Document Number	20156023
Deed Book / Page	3165 / 723
Last Transfer Date	Nov 21, 2023
Transfer Doc	0043671969
Record Updated	Jun 8, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Nov 28, 2023
Property Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Document Number	0043671969
Book / Page	4367 / 1969
Map Reference	MB 27 PG 7&8
Instrument Date	Nov 21, 2023
Instrument	2023074833
Transaction Type	Transfer
Record Updated	Dec 13, 2023
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	5105 CARNATION CT, SPRING HILL, FL 34607-2415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035741707
Date	Apr 18, 2018
Book Page	3574/1707
Instrument	2018023565

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	904 Months
Due	Aug 29, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.58%
Type Change Date	May 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415

Mortgage

Document Number	0039170596
Date	Nov 24, 2020
Book Page	3917/596
Instrument	2020074189

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 9, 2020
Property Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Document Number	0039221536
Book / Page	003922 / 001536
Instrument Date	Dec 9, 2020
Instrument	77126
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	5105 CARNATION CT SPRING HILL FL 346072415, SPRING HILL, FL 34607-2415

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5105 CARNATION CT, SPRING HILL, FL 34607-2415
Document Number	0035741721
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5105 CARNATION CT SPRING HILL FL 346072415, SPRING HILL, FL 34607-2415

Mortgage

Document Number	0035741721
Date	Apr 18, 2018
Book Page	003574/001721
Instrument	23566

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Apr 17, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.58%

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	$1,851.00 (+47.37%)	$159,756 (+5.99%)	$320,394 (-2.64%) Land $22,403 Building $297,991
2023		$150,732 (+3%) Land $150,732
2022	$1,256.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$146,342	$329,096 Land $22,403 Building $306,693

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 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

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	0.04% 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.

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 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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