5540 BAFFIN CIRCLE, SPRING HILL, FL, 34606
Active2 days on marketListed Jul 21, 2026MLS #TB8531116
About this home
5540 BAFFIN CIRCLE
Discover the perfect opportunity to build your dream home on this beautiful 0.344-acre cleared waterfront lot in the heart of Spring Hill. Offering both waterfront access and scenic water views, this homesite provides a peaceful setting to enjoy Florida's natural beauty. Whether you're looking to build your forever home, a seasonal retreat, or an investment property, this spacious parcel offers endless potential. Conveniently located near shopping, dining, parks, medical facilities, and the Gulf Coast's recreational amenities, this is your chance to own a piece of Florida waterfront living.
Facts & features
The home at a glance
0.34 ac
Lot size
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.
$748 /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
$748/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.
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)
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the SPRING HILL 34606 median. See the full Spring Hill market guide →
Paper trail
This home's history
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 5540 BAFFIN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5540 BAFFIN CIRCLE — 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
5540 BAFFIN CIRCLE FAQs
What would the monthly payment be for 5540 BAFFIN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $748/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 5540 BAFFIN CIRCLE?+
The most recent tax bill on record (2025) was $606. 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 5540 BAFFIN CIRCLE?+
The listing reports pets: Yes. 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 $85,000, this home is listed about 75% 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 5540 BAFFIN 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
Three things that matter here
01Under the SPRING HILL 34606 market on paper
$85,000 is 70% below the SPRING HILL 34606 median of $280,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Spring Hill market that averages 29 — if it fits, move quickly.
Listing courtesy of STRAITE REAL ESTATE · Bryan Exline. MLS #TB8531116.
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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