5440 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5440 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,356 sqft · built 1987
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,500 (Apr 2021)
Tax Bill	$3,687 (2025)
Deeds & Mortgages	Feb 2024 Transfer Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0225-0040`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0225-0040`
Alternative APNs	`00471901` `471901`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	426 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00471901
Street Address	5440 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 225 LOT 4
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	225
Legal Lot Number	4
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3033
Census Tract	41401

Owner

Source: Hernando County records, as of March 6, 2026

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	4290 RACHEL BLVD, SPRING HILL, FL 34607-2530
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 5, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on Record
Deed Sale	Apr 5, 2021 · Amount on Record
Prior Sale	Jun 24, 2011 · Amount on Record
Deed Document Number	202123261
Deed Book / Page	3976 / 530
Last Transfer Date	Feb 14, 2024
Transfer Doc	0043921707
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Feb 15, 2024
Property Address	5440 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0043921707
Book / Page	4392 / 1707
Map Reference	MB 7 PG 96
Instrument Date	Feb 14, 2024
Instrument	2024009768
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8204 DELAWARE DR, WEEKI WACHEE, FL 34607-2110

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5440 CACTUS CIR, SPRING HILL, FL 34606-5508

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 5, 2021
Property Address	5440 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0039760530
Book / Page	3976 / 530
Map Reference	MB 7 PG 96
Instrument Date	Mar 31, 2021
Instrument	2021023261
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,417.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 E FIGUREA AVE, 132, STATEN ISLAND, NY 10308-1919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 CACTUS CIR, SPRING HILL, FL 34606-5508

Mortgage

Document Number	3976532
Date	Apr 5, 2021
Instrument	3976/532

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

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	$3,687.00 (+19.75%)	$209,831 (+3.47%) Land $30,500 Building $179,331	$209,831 (+3.47%) Land $30,500 Building $179,331
2023		$202,792 (+8.49%) Land $29,760 Building $173,032
2022	$3,079.00	$186,920 Land $21,100 Building $165,820	$202,792 Land $28,000 Building $174,792

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
Flood Insurance Cost	Premium on Record median of 48 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	5 (1993–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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 284 locations within half a mile, as of December 31, 2025

Provider	Max 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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