1150 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 1150 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,569 sqft · built 1985
Lot Size	0.363 acres (15,795 sqft)
Owner	2 Individual Names on File
Last Sale	$284,900 (Oct 2021)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5060-0292-0350`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5060-0292-0350`
Alternative APNs	`00251603` `251603`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,569 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,569 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2009
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,795 sqft (0.363 acres)
Lot Dimensions	152 ft deep x 99 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	219 sqft
Patio Area	243 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00251603
Street Address	1150 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 35 ORB 300 PG 539
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 6
Legal Block	292
Legal Lot Number	35
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3032
Census Tract	41402

Owner

1150 Waterfall Dr is owned and occupied by two individuals who bought it in October 2021.

Source: Hernando County records, as of January 16, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1150 WATERFALL DR, SPRING HILL, FL 34608-6750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 4, 2020	Warranty Deed, Construction Loan · Construction Mortgage HOMEOWNER RSRC LLC 401K PLAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Prior Sale	Oct 10, 2006 · Amount on File
Deed Document Number	202180642
Deed Book / Page	4075 / 1200
Prior Transfer Date	Aug 10, 2006
Prior Transfer Doc	0023390758
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 26, 2021
Property Address	1150 WATERFALL DR, SPRING HILL, FL 34608-6750
Document Number	0040751200
Book / Page	4075 / 1200
Map Reference	MB 8 PG 1-10
Instrument Date	Oct 22, 2021
Instrument	2021080642
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	EQUITABLE TITLE OF LAKE COUNTY, EQUITABLE TTL OF LAKE COUNTR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,994.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 E LAKE AVE, 122, LONGWOOD, FL 32750-5441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1150 WATERFALL DR, SPRING HILL, FL 34608-6750

Mortgage

Document Number	40751202
Date	Oct 26, 2021
Instrument	4075/1202

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 4, 2020
Property Address	1150 WATERFALL DR, SPRING HILL, FL 34608-6750
Document Number	0038140590
Book / Page	003814 / 000590
Instrument Date	Feb 28, 2020
Instrument	14397
Transaction Type	Construction Loan
Record Updated	May 21, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	122 E LAKE AVE LONGWOOD FL 327505441, LONGWOOD, FL 32750-5441

Mortgage

Document Number	38140593
Date	Mar 4, 2020
Book Page	003814/000593
Instrument	14398

Lender

Name	HOMEOWNER RSRC LLC 401K PLAN
Address	2200 WINTER SPRINGS BLVD # 106, OVIEDO, FL 32765-9359

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 3, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 1150 Waterfall Dr was $4,078 with a homeowner's exemption.

Source: Hernando County assessment roll, as of December 8, 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	$4,078.00 Homeowner's exemption	$276,661	$282,218 Land $48,175 Building $234,043
2023		$263,541 (+6.12%) Land $40,553 Building $222,988
2022	$3,401.00 Homeowner's exemption	$248,340 Land $33,327 Building $215,013	$271,293 Land $44,226 Building $227,067

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

Flood

FEMA maps place 1150 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 1150 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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