Hernando County property record for 1292 Waterfall Dr, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,808 sqft · built 1980 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,200 (Mar 2021) |
| Tax Bill | $2,924 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5070-0338-0040 |
| Primary APN | R32-323-17-5070-0338-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 408 sqft |
| Deck Area | 348 sqft |
| Patio Area | 348 sqft |
| Utility Building | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00259017 |
|---|---|
| Street Address | 1292 WATERFALL DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-6066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 7 BLK 338 LOT 4 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 26 |
| Legal Subdivision | SPRING HILL UN 7 |
| Legal Block | 338 |
| Legal Lot Number | 4 |
| Legal Unit | 7 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 41402 |
Source: Hernando County records · APN R32-323-17-5070-0338-0040
Assessment roll updated October 31, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 1292 WATERFALL DR, SPRING HILL, FL 34608-6066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 05, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL CITY BANK |
| Mar 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage OPEN MORTGAGE LLC |
| Nov 30, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 26, 2021 · Amount on Record |
| Deed Sale | Mar 26, 2021 · Amount on Record |
| Prior Sale | Nov 30, 2017 · Amount on Record |
| Deed Document Number | 2021021328 |
| Deed Book / Page | 3972 / 1807 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 1292 WATERFALL DR, SPRING HILL, FL 34608-6066 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0036191372 |
|---|---|
| Date | Sep 05, 2018 |
| Book Page | 3619/1372 |
| Instrument | 2018053663 |
| Name | CAPITAL CITY BANK |
|---|---|
| Type | Bank |
| Address | TALLAHASSEE, FL 32302 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 26, 2021 |
| Property Address | 1292 WATERFALL DR, SPRING HILL, FL 34608-6066 |
| Document Number | 0039721807 |
| Book / Page | 3972 / 1807 |
| Map Reference | MB 8 PG 11-24 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2021021328 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | NIRVANA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,415.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1292 WATERFALL DR, 1292, SPRING HILL, FL 34608-6066 |
| Name | Verified Name |
|---|---|
| Address | 4037 IRONWARE DR, HOLIDAY, FL 34691-3577 |
| Document Number | 0039721809 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 3972/1809 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Nov 30, 2017 |
| Property Address | 1292 WATERFALL DR, SPRING HILL, FL 34608-6066 |
| Document Number | 0035291161 |
| Book / Page | 3529 / 1161 |
| Map Reference | MB8 PG11-24 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2017067066 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Title Company | TITLE SOURCE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $401.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1292 WATERFALL DR, 1292, SPRING HILL, FL 34608-6066 |
| Name | Verified Name |
|---|---|
| Address | 1292 WATERFALL DR, SPRING HILL, FL 34608-6066 |
| Document Number | 2017067067 |
|---|---|
| Date | Nov 30, 2017 |
| Instrument | 2017067067 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
Source: Hernando County records · Assessment roll updated October 31, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,924.00 (+0.86%) Additional exemption filed | $244,275 (+5.99%) | $256,937 (+8.22%) Land $40,031 Building $216,906 |
| 2023 | $230,477 (+3%) Land $31,008 Building $199,469 | ||
| 2022 | $2,899.00 Homeowner's exemption | $223,764 Land $28,443 Building $195,321 | $237,429 Land $31,604 Building $205,825 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Open Infra Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Global Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 245 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HERNANDO CO UTL-WEST serves 145,204 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2023) action level 15 ppb |
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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