5685 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5685 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,917 sqft · built 1998
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$176,700 (Nov 2019)
Tax Bill	$4,335 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0229-0320`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0229-0320`
Alternative APNs	`00472919` `472919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,917 sqft Living Area
Gross Area	2,697 sqft
1st Floor Area	1,917 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	308 sqft
Porch	Open Porch
Porch Area	1,090 sqft
Deck Area	210 sqft
Patio Area	506 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00472919
Street Address	5685 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 32
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	229
Legal Lot Number	32
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3000
Census Tract	41401

Owner

Source: Hernando County assessment roll, as of December 8, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jun 17, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 18, 2019	Deed, Transfer · FHA Mortgage LIBERTY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Prior Sale	Oct 23, 1997 · Amount on Record
Deed Document Number	201972674
Deed Book / Page	3774 / 1791
Prior Transfer Date	Apr 15, 2009
Prior Transfer Doc	0026501799
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516
Transaction Type	Mortgage
Record Updated	Jul 28, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516

Mortgage

Document Number	0041190509
Date	Jan 27, 2022
Book Page	4119/509
Instrument	2022007276

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516
Document Number	0038661938
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5685 CACTUS CIR SPRING HILL FL 346065516, SPRING HILL, FL 34606-5516

Mortgage

Document Number	0038661938
Date	Jul 24, 2020
Book Page	003866/001938
Instrument	44657

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 18, 2019
Property Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516
Document Number	0037741791
Book / Page	3774 / 1791
Map Reference	MB 7 PG 96
Instrument Date	Nov 15, 2019
Instrument	2019072674
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	CAPITAL TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,236.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8595 DELAWARE DR, 8595, WEEKI WACHEE, FL 34607-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5685 CACTUS CIR, SPRING HILL, FL 34606-5516

Mortgage

Document Number	0037741793
Date	Nov 18, 2019
Instrument	3774/1793

Lender

Name	LIBERTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$4,335.00 (+19.69%) Homeowner's exemption	$294,703 (+5.99%)	$305,335 (+5.45%) Land $30,500 Building $274,835
2023		$278,055 (+3%) Land $33,224 Building $244,831
2022	$3,622.00 Homeowner's exemption	$269,956 Land $21,100 Building $248,856	$289,551 Land $28,000 Building $261,551

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

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
Also Mapped Here	PCUD-PASCO COUNTY REGIONAL PWS
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 USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Tillman Global Holdings, WOW Internet, Cable & Phone.

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