5396 Panama Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5396 Panama Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1983
Lot Size	0.318 acres (13,866 sqft)
Owner	Individual Name on File
Last Sale	$149,500 (Aug 2020)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1258-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1258-0050`
Alternative APNs	`00686118` `686118`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,824 sqft
1st Floor Area	1,296 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,866 sqft (0.318 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	192 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686118
Street Address	5396 PANAMA AVE
City	SPRING HILL
State	FL
Zip	34609-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1258 LOT 5 ORB 3870 PG 912
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1258
Legal Lot Number	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1015
Census Tract	41005

Owner

5396 Panama Ave is owned and occupied by an individual who bought it in August 2020.

Source: Hernando County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	5396 PANAMA AVE, SPRING HILL, FL 34609-1333
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	Dec 13, 2000 · Amount on File
Deed Document Number	202046613
Deed Book / Page	3870 / 912
Prior Transfer Date	Jun 22, 2015
Prior Transfer Doc	0032390999
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 3, 2020
Property Address	5396 PANAMA AVE, SPRING HILL, FL 34609-1333
Document Number	0038700912
Book / Page	3870 / 912
Map Reference	MB 9 PG 65
Instrument Date	Jul 31, 2020
Instrument	2020046613
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	GULF COAST TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,046.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24228 BALMORAL LN, 24228, BROOKSVILLE, FL 34601-4867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5396 PANAMA AVE, SPRING HILL, FL 34609-1333

Mortgage

Document Number	3870913
Date	Aug 3, 2020
Instrument	3870/913

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5396 Panama Ave was $2,462 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	$2,462.00 Homeowner's exemption	$163,463	$178,580 Land $51,304 Building $127,276
2023		$154,229 (+3%) Land $29,812 Building $124,417
2022	$1,741.00 Homeowner's exemption	$149,737 Land $26,345 Building $123,392	$168,146 Land $40,627 Building $127,519

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

Flood

FEMA maps place 5396 Panama Ave 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 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 5396 Panama Ave is low, with less than 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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 318 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
Tillman Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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