5649 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5649 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,915 sqft · built 1993
Lot Size	0.477 acres (20,792 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Feb 2020)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0229-0270`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0229-0270`
Alternative APNs	`00472866` `472866`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,915 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	1,915 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,792 sqft (0.477 acres)
Lot Dimensions	169 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00472866
Street Address	5649 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 229 LOT 27
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	229
Legal Lot Number	27
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 August 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	5649 CACTUS CIR, SPRING HILL, FL 34606-5516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Warranty Deed, Transfer · VA Mortgage E LOANS MORTGAGE INC
Apr 25, 2019	Warranty Deed, Transfer SOUTHEAST TITLE/THE SUNCOAST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on Record
Deed Sale	Feb 28, 2020 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	202013405
Deed Book / Page	3812 / 974
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 28, 2020
Property Address	5649 CACTUS CIR, SPRING HILL, FL 34606-5516
Document Number	0038120974
Book / Page	3812 / 974
Map Reference	MB 7 PG 96-107
Instrument Date	Feb 28, 2020
Instrument	2020013405
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	MASTER TITLE SERVICE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11670 CRESTRIDGE LOOP, 11670, NEW PORT RICHEY, FL 34655-0014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5649 CACTUS CIR, SPRING HILL, FL 34606-5516

Mortgage

Document Number	38120976
Date	Feb 28, 2020
Instrument	3812/0976

Lender

Name	E LOANS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 25, 2019
Property Address	5649 CACTUS CIR, SPRING HILL, FL 34606-5516
Document Number	0036960018
Book / Page	003696 / 000018
Instrument Date	Apr 9, 2019
Instrument	25299
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	SOUTHEAST TITLE/THE SUNCOAST

Transaction

Amount	Amount Recorded
Tax	$665.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11670 CRESTRIDGE LOOP TRINITY FL 346550014, TRINITY, FL 34655-0014

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	$5,093.00 (+22.52%)	$296,149 (+21%)	$323,979 (+3.09%) Land $58,426 Building $265,553
2023		$244,751 (-14.73%) Land $244,751
2022	$4,157.00	$287,014 Land $40,336 Building $246,678	$314,262 Land $53,643 Building $260,619

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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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