5787 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5787 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1980
Lot Size	0.313 acres (13,616 sqft)
Owner	Individual Name on Record
Last Sale	$73,500 (Aug 2011)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0223-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0223-0070`
Alternative APNs	`00471670` `471670`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
Gross Area	2,494 sqft
1st Floor Area	1,708 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1987
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,616 sqft (0.313 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	306 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00471670
Street Address	5787 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 223 LOT 7
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	223
Legal Lot Number	7
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3063
Census Tract	41401

Owner

Source: Hernando County records, as of May 15, 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	5787 CACTUS CIR, SPRING HILL, FL 34606-5520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Apr 12, 2019	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2011 · Amount on Record
Deed Sale	Aug 1, 2011 · Amount on Record
Prior Sale	May 31, 2011
Deed Document Number	201139005
Deed Book / Page	2838 / 1732
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Recording Date	Apr 27, 2026
Property Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520
Document Number	0000026793
Book / Page	4698 / 1670
Instrument Date	Apr 13, 2026
Instrument	202626793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520

Mortgage

Document Number	0000026793,
Date	Apr 27, 2026
Book Page	4698/1670
Instrument	202626793

Lender

Name	SUNCOAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 27, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520

Mortgage

Document Number	0039441481
Date	Jan 28, 2021
Book Page	3944/1481
Instrument	2021005683

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520
Document Number	0036940527
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5787 CACTUS CIR SPRING HILL FL 346065520, SPRING HILL, FL 34606-5520

Mortgage

Document Number	0036940527
Date	Apr 22, 2019
Book Page	003694/000527
Instrument	24263

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2034

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5787 CACTUS CIR, SPRING HILL, FL 34606-5520
Document Number	0036601436
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5787 CACTUS CIR SPRING HILL FL 346065520, SPRING HILL, FL 34606-5520

Mortgage

Document Number	0036601436
Date	Jan 11, 2019
Book Page	003660/001436
Instrument	2053

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Jan 10, 2037

Interest

Rate Type	Adjustable Rate

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	$2,014.00 (+56%) Homeowner's exemption	$132,064 (+5.99%)	$239,389 (+3.31%) Land $39,486 Building $199,903
2023		$124,604 (+3%) Land $124,604
2022	$1,291.00 Homeowner's exemption	$120,975	$231,726 Land $36,219 Building $195,507

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
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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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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