5526 CACTUS CIRCLE, SPRING HILL, FL, 34606
Active97 days on marketListed Apr 18, 2026MLS #TB8499264
About this home
5526 CACTUS CIRCLE
Handyman special. A fantastic opportunity to own this 3 bedroom, 2 bathroom pool home with a large screened in patio in a mature Spring Hill neighborhood. This home is reported a “unrepaired sink Hole Home” on Hernando County records” and is waiting for the right homeowner to come in and make it their own piece of paradise. Seller is selling home "as is" and make no warranties. Centrally located for easy access to major highways, restaurants, medical, shopping, entertainment, airport and much more in the Tampa Bay Area. Hurry this home will not last long! Put your offer in today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,708
Sqft
0.29 ac
Lot size
2
Garage
1981
Year built
One
Levels
$135
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,854 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,854/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−30.4%
$/sqft vs SPRING HILL
$135 vs $198
Days on market
97 vs 29 typical
Where $135/sqft sits among the 270 homes for sale in SPRING HILL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 34606 — neighborhood snapshot
Population
28,155
Median age
50.4
Median income
$54,730
Median home value
$227,700
Avg household
2.25
Households w/ children
2,752
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Spring Hill market
$320K → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
135 of 270
SPRING HILL have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the SPRING HILL 34606 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 5526 CACTUS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$215,000
10072 NORTHCLIFFE BOULEVARD · same community
3 bd · 2 ba · 1,708 sqft · $126/sqft · 2 DOM
Sold · Dec ’25$340,000
8132 CLIPPER COURT · same community
3 bd · 2 ba · 1,704 sqft · $200/sqft · 2 DOM
Sold · Dec ’25$335,750
4476 AZORA ROAD · same community
4 bd · 2 ba · 1,755 sqft · $191/sqft · 205 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5526 CACTUS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5526 CACTUS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5526 CACTUS CIRCLE FAQs
What would the monthly payment be for 5526 CACTUS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,854/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 5526 CACTUS CIRCLE?+
The most recent tax bill on record (2025) was $2,861. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Spring Hill?+
At $230,000, this home is listed about 33% below the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5526 CACTUS CIRCLE?+
Deltona Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the SPRING HILL 34606 market on paper
$230,000 is 18% below the SPRING HILL 34606 median of $280,000, and at $135/sqft it sits under the Spring Hill average of $199.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
97 days on market against a Spring Hill median of 29 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $250,000, now $230,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · David Heroux, Pa. MLS #TB8499264.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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