5420 Panama Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5420 Panama Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,114 sqft · built 1990
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on File
Last Sale	$139,900 (Jan 2019)
Tax Bill	$1,671 (2025)
Deeds & Mortgages	Jun 2022 Transfer Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1258-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1258-0020`
Alternative APNs	`00686083` `686083`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,114 sqft Living Area
Gross Area	1,630 sqft
1st Floor Area	1,114 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,200 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	648 sqft
Deck Area	72 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686083
Street Address	5420 PANAMA AVE
City	SPRING HILL
State	FL
Zip	34609-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1258 LOT 2
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1258
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1015
Census Tract	41005

Owner

5420 Panama Ave is owned and occupied by an individual who acquired it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Jun 22, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Dec 17, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 31, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Jan 28, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2019 · Amount on File
Deed Sale	Jan 28, 2019 · Amount on File
Prior Sale	Aug 31, 2018
Deed Document Number	20195510
Deed Book / Page	3665 / 560
Last Transfer Date	Jun 13, 2022
Transfer Doc	0041871086
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Jun 22, 2022
Property Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335
Document Number	0041871086
Book / Page	4187 / 1086
Map Reference	MB 9 PG 65
Instrument Date	Jun 13, 2022
Instrument	2022048478
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Dec 17, 2019
Property Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335
Document Number	0037860360
Book / Page	3786 / 0360
Map Reference	MB 9 PG 65
Instrument Date	Dec 10, 2019
Instrument	2019079492
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335

Mortgage

Document Number	0003786362
Date	Dec 17, 2019
Instrument	3786/362

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 31, 2018
Property Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335
Document Number	0036181200
Book / Page	003618 / 001200
Instrument Date	Aug 15, 2018
Instrument	53031
Transaction Type	Foreclosure
Record Updated	Sep 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$431.20
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 42081 SUMMERLAND KEY FL 33042, SUMMERLAND KEY, FL 33042
Investor	Possibly a Property Investor

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 28, 2019
Property Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335
Document Number	0036650560
Book / Page	3665 / 0560
Map Reference	MB 9 PG 65
Instrument Date	Jan 25, 2018
Instrument	2019005510
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 420281, SUMMERLAND KEY, FL 33042-0281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5420 PANAMA AVE, SPRING HILL, FL 34609-1335

Mortgage

Document Number	2019005511
Date	Jan 28, 2019
Instrument	2019005511

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5420 Panama Ave was $1,671 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	$1,671.00 Homeowner's exemption	$108,094	$194,721 Land $43,120 Building $151,601
2023		$101,988 Land $101,988
2022	$948.00		$186,043 Land $34,160 Building $151,883

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

Flood

FEMA maps place 5420 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 5420 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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