Hernando County property record for 5505 Cactus Cir, Spring Hill, FL 34606
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,803 sqft · built 1983 |
| Lot Size | 0.494 acres (21,519 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Feb 2022) |
| Tax Bill | $4,591 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Sep 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5050-0229-0170 |
| Primary APN | R32-323-17-5050-0229-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,803 sqft Living Area |
| Gross Area | 2,666 sqft |
| 1st Floor Area | 1,803 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,519 sqft (0.494 acres) |
| Lot Dimensions | 127 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 401 sqft |
| Utility Building | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00472768 |
|---|---|
| Street Address | 5505 CACTUS CIR |
| City | SPRING HILL |
| State | FL |
| Zip | 34606-5514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 5 BLK 229 LOT 17 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UN 5 |
| Legal Block | 229 |
| Legal Lot Number | 17 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 41401 |
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 | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 4, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Feb 1, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2022 · Amount on Record |
| Deed Sale | Feb 1, 2022 · Amount on Record |
| Deed Document Number | 20228782 |
| Deed Book / Page | 4121 / 1422 |
| Last Transfer Date | Aug 23, 2025 |
| Transfer Doc | 0046060452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Document Number | 0043671691 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 4367/1691 |
| Instrument | 2023074723 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Sep 4, 2025 |
| Property Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Document Number | 0046060452 |
| Book / Page | 4606 / 452 |
| Map Reference | MB 7 PG 96 |
| Instrument Date | Aug 23, 2025 |
| Instrument | 2025062013 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | VYLLA TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Name | Verified Name |
|---|---|
| Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Document Number | 0004606455 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 4606/455 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Feb 1, 2022 |
| Property Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Document Number | 0041211422 |
| Book / Page | 4121 / 1422 |
| Map Reference | MB 7 PG 96 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 2022008782 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Title Company | GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5505 CACTUS CIR, 5505, SPRING HILL, FL 34606-5514 |
| Name | Verified Name |
|---|---|
| Address | 5505 CACTUS CIR, SPRING HILL, FL 34606-5514 |
| Document Number | 0041211423 |
|---|---|
| Date | Feb 1, 2022 |
| Instrument | 4121/1423 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,591.00 (+1.82%) | $273,171 (+5.98%) Land $65,633 Building $207,538 | $273,171 (+5.98%) Land $65,633 Building $207,538 |
| 2024 | $4,509.00 (+14.21%) | $257,767 (-0.84%) Land $53,798 Building $203,969 | $257,767 (-0.84%) Land $53,798 Building $203,969 |
| 2023 | $259,962 (+192.26%) Land $64,424 Building $195,538 | ||
| 2022 | $3,948.00 Homeowner's exemption | $88,949 | $259,962 Land $60,253 Building $199,709 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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