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5494 Panama Ave, Spring Hill, FL 34609 Property Records

Hernando County property record for 5494 Panama Ave, Spring Hill, FL 34609

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,344 sqft · built 2000
Lot Size0.436 acres (19,000 sqft)
OwnerIndividual Name on File
Last Sale$109,800 (Jan 2003)
Tax Bill$1,890 (2025)
Deeds & MortgagesSep 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APNR32-323-17-5200-1262-0050

Property Details

APN / Parcel Number

Primary APNR32-323-17-5200-1262-0050
Alternative APNs
  • 00686591
  • 686591

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories2 Stories
Building Area2,344 sqft Living Area
Gross Area2,928 sqft
1st Floor Area1,256 sqft
Upper Floors Area1,088 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2007
Exterior MaterialCombination
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area19,000 sqft (0.436 acres)
Lot Dimensions125 ft deep x 153 ft wide
Garage TypeAttached
Garage Area560 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchUnfinished Open Porch
Porch Area24 sqft
Patio Area63 sqft
Utility Building96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number00686591
Street Address5494 PANAMA AVE
CitySPRING HILL
StateFL
Zip34609-1337
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPRING HILL UNIT 20 BLK 1262 LOT 5
Legal Range17E
Legal Township23S
Legal Section32
Legal SubdivisionSPRING HILL UNIT 20
Legal Block1262
Legal Lot Number5
JurisdictionHERNANDO FL
Township / Civil DivisionSPRING HILL
Census Block Group1
Census Block1021
Census Tract41005

Owner

5494 Panama Ave is owned and occupied by an individual who acquired it in September 2006.

Source: Hernando County records, as of December 8, 2025

Owner of RecordIndividual Name on File
Mailing Address5494 PANAMA AVE, SPRING HILL, FL 34609-1337
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 8, 2003 · Amount on File
Deed SaleJan 8, 2003 · Amount on File
Deed Book / Page1613 / 1737
Last Transfer DateSep 1, 2006
Transfer Doc0023270932
Record UpdatedJun 8, 2026

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionHERNANDO FL
Property Address5494 PANAMA AVE, SPRING HILL, FL 34609-1337
Document Number0036301332
Instrument DateSep 14, 2018
Transaction TypeMortgage
Record UpdatedNov 9, 2018
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5494 PANAMA AVE SPRING HILL FL 346091337, SPRING HILL, FL 34609-1337

Mortgage

Document Number0036301332
DateOct 8, 2018
Book Page003630/001332
Instrument60980
Lender
NameVRMTG ASSET TRUST
Address9990 RICHMOND AVE # 400, HOUSTON, TX 77042-4546
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueOct 7, 2048
Interest
Rate TypeFixed Rate
Rate4%

Tax Assessment & Valuation

The 2025 property tax bill for 5494 Panama Ave was $1,890 with a homeowner's exemption.

Source: Hernando County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,890.00 Homeowner's exemption$123,438$338,615 Land $54,910 Building $283,705
2023$116,465 (+3%) Land $116,465
2022$1,167.00 Homeowner's exemption$113,073$326,076 Land $43,510 Building $282,566

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

Flood

FEMA maps place 5494 Panama Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies5 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 5494 Panama Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemHERNANDO CO UTL-WEST
serves 145,204 people · EPA ID FL6277059
Water SourceGroundwater
Last State InspectionMay 2025
Lead1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting18
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

ProviderMax 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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