5436 CHAMPIONSHIP CUP LANE, SPRING HILL, FL, 34609
Active39 days on marketListed Jun 27, 2026MLS #TB8523090
About this home
5436 CHAMPIONSHIP CUP LANE
Welcome Home! Your Private Florida Retreat Awaits...This beautiful 2,098-square-foot pool home in the highly sought-after gated golf community of Silverthorn, features 3 bedrooms, 2 bathrooms, and a 2-car garage, this home offers the perfect combination of comfort, elegance, and Florida outdoor living. Step through the stunning double leaded-glass front doors into a bright, open floor plan where your eyes are immediately drawn to the sparkling screened pool and expansive covered lanai—creating the ideal setting for entertaining or simply enjoying the Florida lifestyle year-round. The spacious living areas flow seamlessly to the outdoor oasis, making this home perfect for both everyday living and hosting family and friends. Silverthorn is one of Hernando County's premier gated communities, offering an exceptional lifestyle with outstanding amenities, including a clubhouse, fitness center, junior Olympic-size swimming pool, tennis courts, pickleball courts, basketball court, library, game room, and miles of sidewalks for walking, jogging, and biking. The community surrounds the Silverthorn Golf Club, a privately owned championship golf course with a public country club and restaurant that has become a favorite gathering place for residents and guests alike. Conveniently located near shopping, restaurants, medical facilities, and the Suncoast Parkway, you'll enjoy easy access to Tampa while living in one of the area's most desirable communities. This is Florida living at its best—don't miss your opportunity to make this exceptional home yours!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,098
Sqft
0.36 ac
Lot size
2
Garage
2000
Year built
One
Levels
$190
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 and the real association fee — not generic estimates.
$3,111 /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
$3,111/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
−9.2%
$/sqft vs Spring Hill actives
$190 vs $190
Days on market
39 vs 41 typical
Where $190/sqft sits among the 400 Spring Hill actives
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 Silverthorn
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
Silverthorn — neighborhood snapshot
Population
1,284
Median age
62
Median income
$61,250
Median home value
$361,600
Avg household
2
Households w/ children
148
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 → $325K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
216 of 400
Spring Hill actives have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the SPRING HILL 34609 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 5436 CHAMPIONSHIP CUP LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$450,000
15031 SURREY BEND · same community
3 bd · 2 ba · 2,163 sqft · $208/sqft · 20 DOM
Sold · Feb ’26$265,000
5664 LEGEND HILLS LANE · same community
3 bd · 2 ba · 1,997 sqft · $133/sqft · 36 DOM
Sold · Aug ’25$359,000
5429 LEGEND HILLS LANE · same community
2 bd · 2 ba · 1,995 sqft · $180/sqft · 70 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5436 CHAMPIONSHIP CUP LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5436 CHAMPIONSHIP CUP LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5436 CHAMPIONSHIP CUP LANE FAQs
What would the monthly payment be for 5436 CHAMPIONSHIP CUP LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,111/mo — principal and interest, the actual property-tax bill, the $206/mo association fee 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.
How much are the HOA fees at 5436 CHAMPIONSHIP CUP LANE?+
The association fee works out to $206 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5436 CHAMPIONSHIP CUP LANE?+
The most recent tax bill on record (2025) was $2,632. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5436 CHAMPIONSHIP CUP LANE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Spring Hill?+
At $399,000, this home is listed about 16% above the Spring Hill median of $342,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5436 CHAMPIONSHIP CUP LANE?+
West Hernando Middle School (middle), Pine Grove Elementary School (elementary) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$399,000 runs 17% above the SPRING HILL 34609 median — but at 2,098 sqft it's also 18% larger than the typical Spring Hill listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $410,000, now $399,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Dawn Koutroumanis. MLS #TB8523090.
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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