5462 Panama Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5462 Panama Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 2002
Lot Size	0.297 acres (12,914 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,200 (Jan 2003)
Tax Bill	$1,439 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1262-0020`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1262-0020`
Alternative APNs	`00686564` `686564`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,619 sqft Living Area
Gross Area	2,670 sqft
1st Floor Area	1,619 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,914 sqft (0.297 acres)
Lot Dimensions	162 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	140 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686564
Street Address	5462 PANAMA AVE
City	SPRING HILL
State	FL
Zip	34609-1337
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 20 BLK 1262 LOT 2
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1262
Legal Lot Number	2
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1021
Census Tract	41005

Owner

Source: Hernando County records, as of May 12, 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	5462 PANAMA AVE, SPRING HILL, FL 34609-1337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2003 · Amount on Record
Deed Sale	Jan 30, 2003 · Amount on Record
Deed Book / Page	1621 / 1439
Last Transfer Date	Jul 21, 2025
Transfer Doc	0045891094
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Apr 17, 2026
Property Address	5462 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number	0000025503
Book / Page	4696 / 1685
Instrument Date	Apr 10, 2026
Instrument	202625503
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5462 PANAMA AVE, SPRING HILL, FL 34609-1337
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025503,
Date	Apr 17, 2026
Book Page	4696/1685
Instrument	202625503

Lender

Name	BRANNEN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 10, 2036

Interest

Rate Type	Balloon
Rate	6.11%
Initial Type	Balloon
Max Rate	-1%

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	$1,439.00 (+143.9%)	$91,796 (+17.01%)	$243,297 (+15.41%) Land $49,719 Building $193,578
2023		$78,452 Land $78,452
2022	$590.00		$210,813 Land $39,388 Building $171,425

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
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

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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