5823 Cactus Cir, Spring Hill, FL 34606 Property Records

Hernando County property record for 5823 Cactus Cir, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,018 sqft · built 1992
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$356,900 (Aug 2022)
Tax Bill	$3,653 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0223-0030`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0223-0030`
Alternative APNs	`00471634` `471634`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,018 sqft Living Area
1st Floor Area	2,018 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
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	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	900 sqft
Deck Area	96 sqft
Patio Area	288 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00471634
Street Address	5823 CACTUS CIR
City	SPRING HILL
State	FL
Zip	34606-5522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 223 LOT 3
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	223
Legal Lot Number	3
Legal Unit	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3063
Census Tract	41401

Owner

5823 Cactus Cir is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Warranty Deed, Transfer · Conventional Mortgage GREAT WESTERN FINANCIAL SERVICES IN
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2022 · Amount on File
Deed Sale	Aug 15, 2022 · Amount on File
Prior Sale	Sep 18, 2009 · Amount on File
Deed Document Number	2022061975
Deed Book / Page	4208 / 1324
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 15, 2022
Property Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522
Document Number	0042081324
Book / Page	4208 / 1324
Map Reference	MB 7 PG 96
Instrument Date	Aug 11, 2022
Instrument	2022061975
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,498.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	326 MINGO CHURCH RD, 326, FINLEYVILLE, PA 15332-3607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522

Mortgage

Document Number	0042081326
Date	Aug 15, 2022
Instrument	4208/1326

Lender

Name	GREAT WESTERN FINANCIAL SERVICES IN
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Oct 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522

Mortgage

Document Number	0040481584
Date	Aug 31, 2021
Book Page	4048/1584
Instrument	2021065494

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	5823 CACTUS CIR, SPRING HILL, FL 34606-5522
Document Number	0034591838
Book / Page	003459 / 001838
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	LENDERLIVE SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5823 CACTUS CIR SPRING HILL FL 346065522, SPRING HILL, FL 34606-5522

Mortgage

Document Number	0034591838
Date	Apr 13, 2017
Book Page	003459/001838
Instrument	21140

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 12, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 5823 Cactus Cir was $3,653 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	$3,653.00 Additional exemption filed	$295,361 Land $30,500 Building $264,861	$295,361 Land $30,500 Building $264,861
2023		$286,381 Land $44,267 Building $242,114
2022	$3,748.00		$286,381 Land $28,000 Building $258,381

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

Flood

FEMA maps place 5823 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 5823 Cactus Cir is low, with a 0.03% annual chance of 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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