5540 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5540 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,037 sqft · built 2003
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Owner Names on File
Last Sale	$39,900 (Mar 2003)
Tax Bill	$1,512 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0230-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0230-0050`
Alternative APNs	`00473115` `473115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,037 sqft Living Area
1st Floor Area	2,037 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	99 ft deep x 138 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Porch
Porch Area	771 sqft
Deck Area	90 sqft
Patio Area	321 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00473115
Street Address	5540 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 230 LOT 5
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	230
Legal Lot Number	5
Legal Unit	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3022
Census Tract	41401

Owner

Source: Hernando County records · APN R32-323-17-5050-0230-0050

Assessment roll updated October 31, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	5540 CACTUS CIR, SPRING HILL, FL 34606-5513
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2003 · Amount on Record
Deed Sale	Mar 03, 2003 · Amount on Record
Prior Sale	Feb 27, 2003 · Amount on Record
Deed Document Number	0163301105
Deed Book / Page	01633 / 01105
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5540 CACTUS CIR, SPRING HILL, FL 34606-5513
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	CAPITAL CITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 CACTUS CIR, SPRING HILL, FL 34606-5513

Mortgage

Document Number	0040791078
Date	Nov 02, 2021
Book Page	4079/1078
Instrument	2021082682

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jan 01, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Hernando County
Unified School District	Hernando County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,512.00 (+2.02%) Additional exemption filed	$145,366 (+5.99%)	$379,585 (+10.11%) Land $44,103 Building $335,482
2023		$137,154 Land $137,154
2022	$1,482.00		$344,729 Land $40,488 Building $304,241

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
Tillman Global Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 70 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	HERNANDO CO UTL-WEST serves 145,204 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.