5653 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5653 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,955 sqft · built 2018
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$172,600 (Aug 2018)
Tax Bill	$2,717 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0229-0280`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0229-0280`
Alternative APNs	`00472875` `472875`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,955 sqft Living Area
1st Floor Area	1,955 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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	133 ft deep x 97 ft wide
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	926 sqft
Deck Area	96 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00472875
Street Address	5653 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 28
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	229
Legal Lot Number	28
Legal Unit	5
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 December 10, 2025

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
Co-owner	Co-owner on Record
Mailing Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL CITY BANK
Aug 24, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CAPITAL CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on Record
Deed Sale	Aug 24, 2018 · Amount on Record
Prior Sale	Jun 19, 2014
Deed Document Number	0036161578
Deed Book / Page	3616 / 1578
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516

Mortgage

Document Number	0041250120
Date	Feb 8, 2022
Book Page	4125/120
Instrument	2022010625

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALL PERFORMANCE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037861135
Date	Dec 18, 2019
Book Page	3786/1135
Instrument	2019079708

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 24, 2018
Property Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516
Document Number	0036161578
Book / Page	3616 / 1578
Map Reference	MB7 PG96-107
Instrument Date	Aug 24, 2018
Instrument	2018051696
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021
Title Company	ALL PERFORMANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2955 LANDOVER BLVD, 2955, SPRING HILL, FL 34608-7258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5653 CACTUS CIR, SPRING HILL, FL 34606-5516

Mortgage

Document Number	2018051697
Date	Aug 24, 2018
Instrument	2018051697

Lender

Name	CAPITAL CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	$2,717.00 (+0.93%) Additional exemption filed	$229,826 (+5.99%)	$388,242 (+1.04%) Land $37,814 Building $350,428
2023		$216,844 (+3%) Land $216,844
2022	$2,692.00 Homeowner's exemption	$210,528	$384,237 Land $34,714 Building $349,523

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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