1140 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 1140 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,091 sqft · built 1988
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Nov 2022)
Tax Bill	$4,443 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5060-0292-0360`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5060-0292-0360`
Alternative APNs	`00251612` `251612`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,091 sqft Living Area
1st Floor Area	1,160 sqft
Upper Floors Area	931 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	218 ft deep x 50 ft wide
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	200 sqft
Porch	Porch
Porch Area	628 sqft
Deck Area	80 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00251612
Street Address	1140 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-6750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 6 BLK 292 LOT 36 ORB 289 PG 816
Legal Range	17E
Legal Township	23S
Legal Section	26
Legal Subdivision	SPRING HILL UN 6
Legal Block	292
Legal Lot Number	36
Legal Unit	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3032
Census Tract	41402

Owner

1140 Waterfall Dr is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage US BANK NA
Nov 23, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage ROSS MORTGAGE COMPANY INC
Oct 26, 2017	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Jan 7, 2022 · Amount on File
Deed Document Number	2022083411
Deed Book / Page	4242 / 806
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750

Mortgage

Document Number	0046630994
Date	Feb 3, 2026
Book Page	4663/994
Instrument	2026006530

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 23, 2022
Property Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750
Document Number	0042420806
Book / Page	4242 / 806
Map Reference	MB 8 PG 1-10
Instrument Date	Oct 31, 2022
Instrument	2022083411
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	PARAMOUNT TITLE II

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3280 CODY TAYLOR LN, BONIFAY, FL 32425-5802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750

Mortgage

Document Number	0042420808
Date	Nov 23, 2022
Book Page	4242/808
Instrument	2022083412

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 7, 2022
Property Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750
Document Number	0041101254
Book / Page	4110 / 1254
Map Reference	MB 8 PG 1
Instrument Date	Dec 14, 2021
Instrument	2022002077
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6241 LONNIE LEE LN, HUDSON, FL 34667-1331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750

Mortgage

Document Number	0041101256
Date	Jan 7, 2022
Instrument	4110/1256

Lender

Name	ROSS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 26, 2017
Property Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750
Document Number	0035191754
Book / Page	3519 / 1754
Map Reference	MB8 PG1
Instrument Date	Oct 20, 2017
Instrument	2017061030
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	DORIS M RODRIGUEZ

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6830 E HIGHWAY 326, 6830, SILVER SPRINGS, FL 34488-1153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 WATERFALL DR, SPRING HILL, FL 34608-6750

Mortgage

Document Number	2017061031
Date	Oct 26, 2017
Instrument	2017061031

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1140 Waterfall Dr was $4,443 with an additional exemption.

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	$4,443.00 Additional exemption filed	$350,673	$351,117 Land $50,317 Building $300,800
2023		$339,041 (+8.28%) Land $59,080 Building $279,961
2022	$4,548.00 Homeowner's exemption	$313,124 Land $34,921 Building $278,203	$339,041 Land $46,186 Building $292,855

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

Flood

FEMA maps place 1140 Waterfall Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 1140 Waterfall Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 245 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 / 1,000

May also be available: Verizon.

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