5494 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5494 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,899 sqft · built 2020
Lot Size	0.415 acres (18,077 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,500 (Oct 2020)
Tax Bill	$5,026 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0230-0010`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0230-0010`
Alternative APNs	`00245210` `245210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,899 sqft Living Area
Gross Area	2,596 sqft
1st Floor Area	1,899 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,077 sqft (0.415 acres)
Lot Dimensions	150 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00245210
Street Address	5494 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 230 LOT 1
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	230
Legal Lot Number	1
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3022
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	5494 CACTUS CIR, SPRING HILL, FL 34606-5508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CONSUMER REAL ESTATE FINANCE CO
Jul 13, 2018	Warranty Deed, Transfer TROPIC TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	202061723
Deed Book / Page	3895 / 1705
Prior Transfer Date	Feb 11, 2015
Prior Transfer Doc	0031761242
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 5, 2020
Property Address	5494 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0038951705
Book / Page	3895 / 1705
Map Reference	MB 7 PG 96-107
Instrument Date	Sep 18, 2020
Instrument	2020061723
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,711.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14229 LEYBOURNE WAY, 14229, SPRING HILL, FL 34609-0434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12418 WASATCH CT, NEW PORT RICHEY, FL 34654-1830

Mortgage

Document Number	38951707
Date	Oct 5, 2020
Instrument	3895/1707

Lender

Name	CONSUMER REAL ESTATE FINANCE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 13, 2018
Property Address	5494 CACTUS CIR, SPRING HILL, FL 34606-5508
Document Number	0036031082
Book / Page	003603 / 001082
Instrument Date	Jul 11, 2018
Instrument	42639
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$132.30
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	14229 LEYBOURNE WAY SPRING HILL FL 346090434, SPRING HILL, FL 34609-0434

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	$5,026.00 (+16.48%) Homeowner's exemption	$343,096 (+5.99%)	$370,376 (+4.13%) Land $52,966 Building $317,410
2023		$323,716 Land $19,211 Building $304,505
2022	$4,315.00		$355,680 Land $48,627 Building $307,053

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
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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