5684 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5684 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,746 sqft · built 1982
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$139,900 (May 2019)
Tax Bill	$1,565 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Sep 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0230-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0230-0120`
Alternative APNs	`00473188` `473188`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,746 sqft Living Area
1st Floor Area	1,746 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1987
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00473188
Street Address	5684 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 12
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	230
Legal Lot Number	12
Legal Unit	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3022
Census Tract	41401

Owner

5684 Cactus Cir is owned and occupied by an individual who bought it in May 2019.

Source: Hernando County records, as of December 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	5684 CACTUS CIR, SPRING HILL, FL 34606-5515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Sep 9, 2019	Loan Modification, Mortgage · Conventional with PMI SUNTRUST BK
May 23, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2019 · Amount on File
Deed Sale	May 23, 2019 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	2019031761
Deed Book / Page	3706 / 1073
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5684 CACTUS CIR, SPRING HILL, FL 34606-5515
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CHELSEA TTL OF NATURE COAST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037380858
Date	Aug 9, 2019
Book Page	3738/0858
Instrument	2019050158

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	5684 CACTUS CIR, SPRING HILL, FL 34606-5515
Document Number	0037511737
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 16, 2019
Title Company	CHELSEA TITLE/THE NATURE COAST

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5684 CACTUS CIR SPRING HILL FL 346065515, SPRING HILL, FL 34606-5515

Mortgage

Document Number	0037511737
Date	Sep 18, 2019
Book Page	003751/001737
Instrument	58539

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional with PMI
Amount	Amount on Record

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 23, 2019
Property Address	5684 CACTUS CIR, SPRING HILL, FL 34606-5515
Document Number	0037061073
Book / Page	3706 / 1073
Map Reference	MB 7 PG 96-107
Instrument Date	May 15, 2019
Instrument	2019031761
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHELSEA TTL OF NATURE COAST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5684 CACTUS CIR, 5684, SPRING HILL, FL 34606-5515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5684 CACTUS CIR, SPRING HILL, FL 34606-5515

Mortgage

Document Number	0037061074
Date	May 23, 2019
Instrument	3706/1074

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5684 Cactus Cir was $1,565 with an additional exemption.

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	$1,565.00 Additional exemption filed	$149,071	$224,216 Land $30,500 Building $193,716
2023		$140,650 Land $140,650
2022	$1,535.00		$217,501 Land $28,000 Building $189,501

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

Flood

FEMA maps place 5684 Cactus Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 5684 Cactus Cir is low, with a 0.01% annual chance of 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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