5432 Queen Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5432 Queen Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,009 sqft · built 2006
Lot Size	0.501 acres (21,835 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Nov 2025)
Tax Bill	$6,065 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1260-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1260-0040`
Alternative APNs	`00686412` `686412`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,009 sqft Living Area
Gross Area	3,827 sqft
1st Floor Area	3,009 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,835 sqft (0.501 acres)
Lot Dimensions	170 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	388 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686412
Street Address	5432 QUEEN AVE
City	SPRING HILL
State	FL
Zip	34609-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1260 LOT 4
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1260
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1020
Census Tract	41005

Owner

Source: Hernando County records, as of December 9, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2018	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL CITY BANK
May 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 12, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Jun 12, 2019 · Amount on Record
Deed Document Number	202579325
Deed Book / Page	4634 / 1733
Prior Transfer Date	Jun 30, 2015
Prior Transfer Doc	0032590529
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 18, 2025
Property Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305
Document Number	0046341733
Book / Page	4634 / 1733
Map Reference	MB 9 PG 65-80
Instrument Date	Nov 10, 2025
Instrument	2025079325
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	TRULY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 DUNNING CT, SPRING HILL, FL 34610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305

Mortgage

Document Number	0046341735
Date	Nov 18, 2025
Instrument	4634/1735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036560936
Date	Dec 28, 2018
Book Page	3656/0936
Instrument	2018077698

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038420438
Date	May 20, 2020
Book Page	3842/438
Instrument	2020030576

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Aug 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jun 12, 2019
Property Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305
Document Number	0037140779
Book / Page	3714 / 0779
Map Reference	MB 9 PG 65-80
Instrument Date	May 24, 2019
Instrument	2019036370
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SOUTHERN SECURITY TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,699.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9379 VANCOUVER RD, 9379, SPRING HILL, FL 34608-6567

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5432 QUEEN AVE, SPRING HILL, FL 34609-1305

Mortgage

Document Number	0003714780
Date	Jun 12, 2019
Instrument	3714/780

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$6,065.00 (+95.58%) Homeowner's exemption Disabled Person's exemption	$269,009 (+5.99%)	$508,924 (+3.07%) Land $58,955 Building $449,969
2023		$253,814 Land $253,814
2022	$3,101.00		$493,773 Land $46,727 Building $447,046

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
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

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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