11221 Rainbow Woods Loop, Spring Hill, FL 34609 Property Records

Hernando County property record for 11221 Rainbow Woods Loop, Spring Hill, FL 34609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,022 sqft · built 1989
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (May 2020)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`R17-223-18-3242-0000-0230`

Property Details

APN / Parcel Number

Primary APN	`R17-223-18-3242-0000-0230`
Alternative APNs	`01120307` `1120307`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,022 sqft Living Area
1st Floor Area	2,022 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	21,780 sqft (0.5 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	1,039 sqft
Deck Area	96 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	01120307
Street Address	11221 RAINBOW WOODS LOOP
City	SPRING HILL
State	FL
Zip	34609-9145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAINBOW WOODS LOT 23
Legal Range	18E
Legal Township	23S
Legal Section	17
Legal Subdivision	RAINBOW WOODS
Legal Lot Number	23
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1024
Census Tract	41006

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Aug 7, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 18, 2020	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 17, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 5, 2017	Warranty Deed, Transfer · Construction Mortgage WILLIAM N RUFFING
Aug 24, 2017	Warranty Deed, Transfer SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS
Aug 24, 2017	Warranty Deed, Transfer SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	May 17, 2018 · Amount on Record
Deed Document Number	2020029875
Deed Book / Page	3840 / 1973
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145

Mortgage

Document Number	0040400604
Date	Aug 12, 2021
Book Page	4040/604
Instrument	2021060525

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Aug 11, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038730474
Date	Aug 7, 2020
Book Page	3873/474
Instrument	2020048184

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2050

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 18, 2020
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Document Number	0038401973
Book / Page	3840 / 1973
Map Reference	MB 21 PG 7-4
Instrument Date	May 15, 2020
Instrument	2020029875
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	EXECUTIVE TTL SVCS OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4151 FAIRVIEW DRIVE, 4151, TRINITY, NC 27370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145

Mortgage

Document Number	38401975
Date	May 18, 2020
Instrument	3840/1975

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 17, 2018
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Document Number	0035841843
Book / Page	3584 / 1843
Map Reference	MB21 PG7-14
Instrument Date	May 11, 2018
Instrument	2018030733
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	COURTLAND TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13454 TWIN DOLPHIN DR, 13454, SPRING HILL, FL 34609-8852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145

Mortgage

Document Number	2018030734
Date	May 17, 2018
Instrument	2018030734

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 5, 2017
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Document Number	0035310932
Book / Page	003531 / 000932
Instrument Date	Nov 20, 2017
Instrument	68149
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	COURTLAND TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$896.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13454 TWIN DOLPHIN DR BROOKSVILLE FL 346098852, BROOKSVILLE, FL 34609-8852
Investor	Possibly a Property Investor

Mortgage

Document Number	35310933
Date	Dec 5, 2017
Book Page	003531/000933
Instrument	68150

Lender

Name	WILLIAM N RUFFING
Address	905 E MARTIN LUTHER KING JR DR # 227, TARPON SPRINGS, FL 34689-4801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 4, 2018

Interest

Rate	12%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 24, 2017
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Document Number	0035010082
Book / Page	003501 / 000082
Instrument Date	Aug 21, 2017
Instrument	48960
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11221 RAINBOW WOODS LOOP SPRING HILL FL 346099145, SPRING HILL, FL 34609-9145

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 24, 2017
Property Address	11221 RAINBOW WOODS LOOP, SPRING HILL, FL 34609-9145
Document Number	0035010083
Book / Page	003501 / 000083
Instrument Date	Aug 17, 2017
Instrument	48961
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	SOUTHERN SECURITY TITLE SERVICES, SOUTHERN SEC TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11221 RAINBOW WOODS LOOP SPRING HILL FL 346099145, SPRING HILL, FL 34609-9145

Tax Assessment & Valuation

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	$4,032.00 (-8.59%) Additional exemption filed	$321,913 (-2.45%) Land $44,688 Building $277,225	$321,913 (-2.45%) Land $44,688 Building $277,225
2023		$330,007 Land $62,297 Building $267,710
2022	$4,411.00		$330,007 Land $44,688 Building $285,319

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

Flood

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
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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 310 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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