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5424 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5424 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,726 sqft · built 2004
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$103,500 (Feb 2004)
Tax Bill$1,634 (2025)
Deeds & MortgagesOct 2026 Mortgage
Flood ZoneZone X (minimal risk)
APNR32-323-17-5050-0225-0020

Property Details

APN / Parcel Number

Primary APNR32-323-17-5050-0225-0020
Alternative APNs
  • 00471885
  • 471885

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,726 sqft Living Area
Gross Area2,406 sqft
1st Floor Area1,726 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2011
Exterior MaterialBlock/Stucco
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,000 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area288 sqft
PorchOpen Porch
Porch Area1,048 sqft
Deck Area96 sqft
Patio Area480 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00471885
Street Address5424 CACTUS CIR
CitySPRING HILL
StateFL
Zip34606-5508
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 5 BLK 225 LOT 2 ORB 1641 PG 134
Legal Range17E
Legal Township23S
Legal Section32
Legal SubdivisionSPRING HILL UN 5
Legal Block225
Legal Lot Number2
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group3
Census Block3033
Census Tract41401

Owner

5424 Cactus Cir is owned and occupied by two individuals who bought it in February 2004.

Source: Hernando County records, as of October 21, 2026

Owner of Record2 Individual Names on File
Mailing Address5424 CACTUS CIR, SPRING HILL, FL 34606-5508
OccupancyOwner Occupied
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleFeb 24, 2004 · Amount on File
Deed SaleFeb 24, 2004 · Amount on File
Deed Book / Page1796 / 1809
Prior Transfer DateSep 5, 2002
Prior Transfer Doc0015680716
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHERNANDO FL
Recording DateOct 6, 2026
Property Address5424 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number0000067831
Book / Page4769 / 1207
Instrument DateSep 23, 2026
Instrument202667831
Transaction TypeMortgage
Record UpdatedOct 21, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address5424 CACTUS CIR, SPRING HILL, FL 34606-5508

Mortgage

Document Number0000067831,
DateOct 6, 2026
Book Page4769/1207
Instrument202667831
Lender
NameHOME LENDING
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term276 Months
DueOct 1, 2049
Interest
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 5424 Cactus Cir was $1,634 with exemptions applied.

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,634.00 Homeowner's exemption Disabled Person's exemption$110,451$276,495 Land $30,500 Building $245,995
2023$104,212 Land $104,212
2022$905.00$250,088 Land $28,000 Building $222,088

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

Flood

FEMA maps place 5424 Cactus Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 48 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies48 in force
Nearby Flood Claims5 (1993–2017)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Frances, Sep 2004 · 2 claims

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 5424 Cactus Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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 284 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Tillman Fiber, WOW Internet, Cable & Phone.

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