Hernando County property record for 6401 Melacano Ave, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,692 sqft · built 1986 |
| Lot Size | 0.293 acres (12,756 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $76,000 (Aug 2013) |
| Tax Bill | $1,928 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit May 2026 Sale & Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5220-1544-0090 |
| Primary APN | R32-323-17-5220-1544-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,692 sqft Living Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 972 sqft |
| Upper Floors Area | 720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,756 sqft (0.293 acres) |
| Lot Dimensions | 125 ft deep x 103 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,080 sqft |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00729313 |
|---|---|
| Street Address | 6401 MELACANO AVE |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 22 BLK 1544 LOT 9 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 22 |
| Legal Block | 1544 |
| Legal Lot Number | 9 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 41201 |
Source: Hernando County records, as of June 8, 2026
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 Record |
|---|---|
| Mailing Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 16, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 22, 2026 | Warranty Deed, Transfer · Construction Mortgage CHELSEA TITLE |
| May 22, 2026 | Warranty Deed, Transfer · Construction Mortgage SCOTT |
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage QUONTIC BANK |
| Aug 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2013 · Amount on Record |
| Deed Sale | Aug 20, 2013 · Amount on Record |
| Prior Sale | Aug 2, 2012 |
| Deed Document Number | 201347151 |
| Deed Book / Page | 3031 / 1474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0042680284 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | 4268/284 |
| Instrument | 2023009689 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 6, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 22, 2026 |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0000035000 |
| Book / Page | 4713 / 137 |
| Instrument Date | May 15, 2026 |
| Instrument | 202635000 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | CHELSEA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0000035001, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202635001 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 15, 2027 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 22, 2026 |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0047130137 |
| Book / Page | 4713 / 137 |
| Instrument Date | May 15, 2026 |
| Instrument | 202635000 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | CHELSEA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0000035001, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202635001 |
| Name | SCOTT |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 15, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Apr 7, 2026 |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0000022539 |
| Book / Page | 4691 / 1387 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202622539 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SOUTHERN EQUITY TITLE, SOUTHERN SECURITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0000022539, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 4691/1387 |
| Instrument | 202622539 |
| Name | QUONTIC BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037370760 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 3737/0760 |
| Instrument | 2019049491 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Name | Verified Name |
|---|---|
| Address | 6401 MELACANO AVE, SPRING HILL, FL 34608-1055 |
| Document Number | 0038870074 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 3887/74 |
| Instrument | 2020056409 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,928.00 (+63.95%) Homeowner's exemption | $126,035 (+7.72%) | $261,958 (+16.6%) Land $41,457 Building $220,501 |
| 2023 | $117,005 (+3%) Land $117,005 | ||
| 2022 | $1,176.00 Homeowner's exemption | $113,597 | $224,673 Land $35,079 Building $189,594 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 14 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 2 (2012) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% 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.
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 |
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.
Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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