5448 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5448 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,880 sqft · built 1986
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (May 2022)
Tax Bill	$3,868 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0225-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0225-0050`
Alternative APNs	`00471910` `471910`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	2,632 sqft
1st Floor Area	1,880 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00471910
Street Address	5448 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 5
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	225
Legal Lot Number	5
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 December 8, 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	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Feb 22, 2022	Warranty Deed, Transfer EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC
Jul 16, 2019	Warranty Deed, Transfer OTHER
Nov 5, 2018	Quit Claim Deed, Transfer LEGAL TITLE EXCHANGE
Nov 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHRIS ROOFER INVS INC
Apr 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	202236388
Deed Book / Page	4168 / 1541
Prior Transfer Date	Apr 11, 2018
Prior Transfer Doc	0035730802
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 10, 2022
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0041681541
Book / Page	4168 / 1541
Map Reference	MB 7 PG 96-107
Instrument Date	May 6, 2022
Instrument	2022036388
Transaction Type	Transfer
Record Updated	Sep 26, 2022
Title Company	EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7307 WINDSOR MILL RD, 7307, HUDSON, FL 34667-1474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508

Mortgage

Document Number	0041681543
Date	May 10, 2022
Instrument	4168/1543

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 22, 2022
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0041300689
Book / Page	4130 / 689
Map Reference	MB 7 PG 96-107
Instrument Date	Feb 15, 2022
Instrument	2022013639
Transaction Type	Transfer
Record Updated	Mar 24, 2022
Title Company	EXECUTIVE TITLE SERVICES/FL INC, EXECUTIVE TTL SVCS OF FL INC

Transaction

Amount	Amount Recorded
Tax	$1,407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12124 COUNTRY COVE AVE, 12124, HUDSON, FL 34669-2725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7307 WINDSOR MILL RD, HUDSON, FL 34667-1474

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 16, 2019
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0037280495
Book / Page	003728 / 000495
Instrument Date	Jul 15, 2019
Instrument	44036
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$973.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7130 N GRACKLE PT HERNANDO FL 344422054, HERNANDO, FL 34442-2054

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 5, 2018
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0036391857
Book / Page	003639 / 001857
Instrument Date	Nov 2, 2018
Instrument	67007
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	LEGAL TITLE EXCHANGE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5448 CACTUS CIR SPRING HILL FL 346065508, SPRING HILL, FL 34606-5508

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0036391868
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5448 CACTUS CIR SPRING HILL FL 346065508, SPRING HILL, FL 34606-5508

Mortgage

Document Number	0036391868
Date	Nov 5, 2018
Book Page	003639/001868
Instrument	67010

Lender

Name	CHRIS ROOFER INVS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Nov 4, 2020

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 13, 2018
Property Address	5448 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0035730802
Book / Page	003573 / 000802
Instrument Date	Apr 11, 2018
Instrument	22662
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8338 CAROLYN DR PORT RICHEY FL 346686209, PORT RICHEY, FL 34668-6209

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	$3,868.00 (+19.16%) Homeowner's exemption	$261,988 (+3.43%) Land $30,500 Building $231,488	$261,988 (+3.43%) Land $30,500 Building $231,488
2023		$253,299 (+14.62%) Land $30,441 Building $222,858
2022	$3,246.00	$220,984 Land $21,100 Building $199,884	$253,299 Land $28,000 Building $225,299

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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