5497 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5497 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,728 sqft · built 1984
Lot Size	0.61 acres (26,566 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Feb 2005)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0229-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0229-0160`
Alternative APNs	`00472759` `472759`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,728 sqft Living Area
Gross Area	3,438 sqft
1st Floor Area	2,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,566 sqft (0.61 acres)
Lot Dimensions	155 ft deep x 144 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Screened Porch
Porch Area	1,300 sqft
Patio Area	160 sqft
Utility Building	106 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00472759
Street Address	5497 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 229 LOT 16
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	229
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3000
Census Tract	41401

Owner

Source: Hernando County records, as of March 18, 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	5497 CACTUS CIR, SPRING HILL, FL 34606-5512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 26, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2005 · Amount on Record
Deed Sale	Feb 23, 2005 · Amount on Record
Deed Document Number	200513853
Deed Book / Page	1976 / 1181
Last Transfer Date	Feb 16, 2024
Transfer Doc	0043950880
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5497 CACTUS CIR, SPRING HILL, FL 34606-5512
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5497 CACTUS CIR, SPRING HILL, FL 34606-5512

Mortgage

Document Number	0046691531
Date	Feb 19, 2026
Book Page	4669/1531
Instrument	2026010285

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	356 Months
Due	Oct 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Feb 26, 2024
Property Address	5497 CACTUS CIR, SPRING HILL, FL 34606-5512
Document Number	0043950880
Book / Page	4395 / 880
Map Reference	MB 7 PG 96-107
Instrument Date	Feb 16, 2024
Instrument	2024011487
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5497 CACTUS CIR, SPRING HILL, FL 34606-5512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5497 CACTUS CIR, SPRING HILL, FL 34606-5512

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	$2,276.00 (+46.37%)	$150,456 (+5.99%)	$384,772 (+5.66%) Land $73,057 Building $311,715
2023		$141,957 (+3%) Land $141,957
2022	$1,555.00 Homeowner's exemption	$137,822	$364,156 Land $66,946 Building $297,210

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 100 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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