5228 Bone Ln, Brooksville, FL 34604 Property Records

Hernando County property record for 5228 Bone Ln, Brooksville, FL 34604

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,110 sqft · built 2006
Lot Size	1.13 acres (49,400 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jan 2018)
Tax Bill	$3,683 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R11-223-18-1542-0000-0682`

Property Details

APN / Parcel Number

Primary APN	`R11-223-18-1542-0000-0682`
Alternative APNs	`01536369` `1536369`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,110 sqft Living Area
Gross Area	2,785 sqft
1st Floor Area	2,110 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,400 sqft (1.13 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	935 sqft
Deck Area	120 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01536369
Street Address	5228 BONE LN
City	BROOKSVILLE
State	FL
Zip	34604-8201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ACRES LOT 68 LESS N136 FT OF W325 FT & LESS S80 FT OF W210 FT THEREOF AKA LOT 68B ORB 2463 PG 1432 AKA PAR B IN CLASS D SUB AS APPROVED BY
Legal Range	18E
Legal Township	23S
Legal Section	11
Legal Subdivision	OAKWOOD ACRES
Legal Lot Number	68
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1039
Census Tract	40910

Owner

5228 Bone Ln is owned and occupied by two individuals who bought it in January 2018.

Source: Hernando County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5228 BONE LN, BROOKSVILLE, FL 34604-8201
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 5, 2024	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 2, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Jan 25, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2018 · Amount on File
Deed Sale	Jan 25, 2018 · Amount on File
Prior Sale	Jun 1, 2015 · Amount on File
Deed Document Number	20184948
Deed Book / Page	3546 / 1940
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5228 BONE LN, BROOKSVILLE, FL 34604-8201
Transaction Type	Mortgage
Record Updated	Mar 21, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043981692
Date	Mar 5, 2024
Book Page	4398/1692
Instrument	2024013695

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 23, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5228 BONE LN, BROOKSVILLE, FL 34604-8201
Document Number	0038481282
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5228 BONE LN BROOKSVILLE FL 346048201, BROOKSVILLE, FL 34604-8201

Mortgage

Document Number	0038481282
Date	Jun 9, 2020
Book Page	003848/001282
Instrument	34329

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 25, 2018
Property Address	5228 BONE LN, BROOKSVILLE, FL 34604-8201
Document Number	0035461940
Book / Page	3546 / 1940
Map Reference	MB15 PG98-103
Instrument Date	Jan 8, 2018
Instrument	2018004948
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CROWN TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5228 BONE LN, 5228, BROOKSVILLE, FL 34604-8201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5228 BONE LN, NEW PORT RICHEY, FL 34654

Mortgage

Document Number	2018004949
Date	Jan 25, 2018
Instrument	2018004949

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5228 Bone Ln was $3,683 with a homeowner's exemption.

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	$3,683.00 Homeowner's exemption	$265,195	$454,456 Land $104,234 Building $350,222
2023		$250,215 Land $250,215
2022	$3,199.00		$448,313 Land $89,908 Building $358,405

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

Flood

FEMA maps place 5228 Bone Ln 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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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 5228 Bone Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 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 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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