5650 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5650 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,981 sqft · built 1980
Lot Size	0.3 acres (13,068 sqft)
Owner	Trust Name on Record
Last Sale	$174,900 (Feb 2020)
Tax Bill	$3,330 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0230-0090`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0230-0090`
Alternative APNs	`00473151` `473151`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
1st Floor Area	1,981 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1988
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	149 ft deep x 113 ft wide
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	340 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00473151
Street Address	5650 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 230 LOT 9 ORB 1012 PG 1662 ORB 1137 PG 1731
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	230
Legal Lot Number	9
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, as of December 10, 2025

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

Owner of Record	Trust Name on Record
Mailing Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Nov 6, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Nov 24, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 20, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	0038081744
Deed Book / Page	003808 / 001744
Last Transfer Date	Nov 24, 2020
Transfer Doc	0039170610
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515

Mortgage

Document Number	0040961211
Date	Dec 8, 2021
Book Page	4096/1211
Instrument	2021092493

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515

Mortgage

Document Number	0039090612
Date	Nov 6, 2020
Book Page	3909/612
Instrument	2020069821

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 24, 2020
Property Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515
Document Number	0039170610
Book / Page	003917 / 000610
Instrument Date	Nov 18, 2020
Instrument	74190
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	5650 CACTUS CIR SPRING HILL FL 346065515, SPRING HILL, FL 34606-5515

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 20, 2020
Property Address	5650 CACTUS CIR, SPRING HILL, FL 34606-5515
Document Number	0038081744
Book / Page	003808 / 001744
Instrument Date	Feb 19, 2020
Instrument	11163
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5650 CACTUS CIR SPRING HILL FL 346065515, SPRING HILL, FL 34606-5515

Mortgage

Document Number	38081746
Date	Feb 20, 2020
Book Page	003808/001746
Instrument	11164

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$3,330.00 (-2.43%) Additional exemption filed	$272,761 (+3.18%) Land $39,370 Building $233,391	$272,761 (+3.18%) Land $39,370 Building $233,391
2023		$264,343 Land $45,415 Building $218,928
2022	$3,413.00		$264,343 Land $36,112 Building $228,231

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 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

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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