5470 Panama Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5470 Panama Ave, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,063 sqft · built 2002
Lot Size	0.274 acres (11,952 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Sep 2023)
Tax Bill	$4,171 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5200-1262-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5200-1262-0030`
Alternative APNs	`00686573` `686573`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,063 sqft Living Area
Gross Area	2,604 sqft
1st Floor Area	2,063 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,952 sqft (0.274 acres)
Lot Dimensions	137 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	392 sqft
Porch	Screened Porch
Porch Area	180 sqft
Deck Area	88 sqft
Patio Area	283 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00686573
Street Address	5470 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 3
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 20
Legal Block	1262
Legal Lot Number	3
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1021
Census Tract	41005

Owner

5470 Panama Ave is owned and occupied by two individuals who bought it in September 2023.

Source: Hernando County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Sep 22, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Mar 10, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 4, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM
Sep 17, 2018	Warranty Deed, Transfer GIANNELL TITLE LLC
Sep 17, 2018	Warranty Deed, Transfer GIANNELL TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on File
Deed Sale	Sep 22, 2023 · Amount on File
Prior Sale	Mar 4, 2019 · Amount on File
Deed Document Number	202360725
Deed Book / Page	4346 / 675
Prior Transfer Date	Feb 14, 2014
Prior Transfer Doc	0030980081
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 22, 2023
Property Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number	0043460675
Book / Page	4346 / 675
Map Reference	MB 9 PG 65
Instrument Date	Sep 15, 2023
Instrument	2023060725
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	INSURED TITLE AGENCY, INSURED TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4337 ALCRA RD, SPRING HILL, FL 34608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337

Mortgage

Document Number	0004346677
Date	Sep 22, 2023
Instrument	4346/677

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337

Mortgage

Document Number	0041390026
Date	Mar 10, 2022
Book Page	4139/26
Instrument	2022018602

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 4, 2019
Property Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number	0036760646
Book / Page	003676 / 000646
Instrument Date	Mar 1, 2019
Instrument	13072
Transaction Type	Transfer
Record Updated	Apr 1, 2019
Title Company	COURTLAND TITLE SERVICES INC, COURTLAND TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5470 PANAMA AVE SPRING HILL FL 346091337, SPRING HILL, FL 34609-1337

Mortgage

Document Number	36760647
Date	Mar 4, 2019
Book Page	003676/000647
Instrument	13073

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 17, 2018
Property Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number	0036231419
Book / Page	003623 / 001419
Instrument Date	Sep 14, 2018
Instrument	56242
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	GIANNELL TITLE LLC

Transaction

Amount	Amount on Record
Tax	$595.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 13TH AVE NE ST PETERSBURG FL 337011204, ST PETERSBURG, FL 33701-1204

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 17, 2018
Property Address	5470 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number	0036231417
Book / Page	003623 / 001417
Instrument Date	Sep 14, 2018
Instrument	56241
Transaction Type	Transfer
Record Updated	Oct 19, 2018
Title Company	GIANNELL TITLE LLC

Transaction

Amount	Amount on Record
Tax	$525.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	800 SILKS RUN #2330 HALLANDALE BEACH FL 330092791, 2330, HALLANDALE BEACH, FL 33009-2791
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5470 Panama Ave was $4,171.

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	$4,171.00	$283,211 Land $42,011 Building $241,200	$283,211 Land $42,011 Building $241,200
2023		$210,585 (-15.8%) Land $210,585
2022	$3,602.00	$250,110 Land $21,574 Building $228,536	$274,428 Land $33,268 Building $241,160

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

Flood

FEMA maps place 5470 Panama Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 5470 Panama Ave is low, with less than a 0.01% annual chance of 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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