2098 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 2098 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 1984
Lot Size	0.33 acres (14,366 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jun 2024)
Tax Bill	$691 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1409-0280`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1409-0280`
Alternative APNs	`00308278` `308278`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
Gross Area	2,076 sqft
1st Floor Area	1,412 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,366 sqft (0.33 acres)
Lot Dimensions	125 ft deep x 116 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	904 sqft
Deck Area	120 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00308278
Street Address	2098 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-5371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1409 LOT 28 ORB 287 PG 669
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1409
Legal Lot Number	28
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1008
Census Tract	41104

Owner

2098 Waterfall Dr is owned and occupied by an individual who bought it in June 2024.

Source: Hernando County records, as of December 8, 2025

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	Individual Name on File
Mailing Address	2098 WATERFALL DR, SPRING HILL, FL 34608-5371
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Feb 2, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2024 · Amount on File
Deed Sale	Jun 26, 2024 · Amount on File
Prior Sale	Jul 1, 2017 · Amount on File
Deed Document Number	202439351
Deed Book / Page	4439 / 1997
Prior Transfer Date	Jul 18, 2017
Prior Transfer Doc	0034911227
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 23, 2024
Property Address	2098 WATERFALL DR, SPRING HILL, FL 34608-5371
Document Number	0043941640
Book / Page	4394 / 1640
Map Reference	MB 9 PG 81-96
Instrument Date	Feb 12, 2024
Instrument	2024011105
Transaction Type	Construction Loan
Record Updated	Mar 12, 2024
Title Company	SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2098 WATERFALL DR, SPRING HILL, FL 34608-5371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5455 PEAK RD, RENO, NV 89510-9588
Investor	Possibly a Property Investor

Mortgage

Document Number	0043941644
Date	Feb 23, 2024
Instrument	4394/1644

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2098 WATERFALL DR, SPRING HILL, FL 34608-5371
Document Number	0035511657
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2098 WATERFALL DR SPRING HILL FL 346085371, SPRING HILL, FL 34608-5371

Mortgage

Document Number	0035511657
Date	Feb 8, 2018
Book Page	003551/001657
Instrument	8054

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2048

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 26, 2017
Property Address	2098 WATERFALL DR, SPRING HILL, FL 34608-5371
Document Number	0034911227
Book / Page	003491 / 001227
Instrument Date	Jul 18, 2017
Instrument	42307
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2098 WATERFALL DR SPRING HILL FL 346085371, SPRING HILL, FL 34608-5371

Tax Assessment & Valuation

The 2025 property tax bill for 2098 Waterfall Dr was $691, down 81.4% from the year before.

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	$691.00 (-81.36%)	$236,157 Land $49,132 Building $187,025	$236,157 Land $49,132 Building $187,025
2024	$3,707.00
2023		$168,508 (-18.77%) Land $1,189 Building $167,319
2022	$2,914.00	$207,445 Land $28,876 Building $178,569	$224,544 Land $42,092 Building $182,452

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

Flood

FEMA maps place 2098 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 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 2098 Waterfall Dr is low, with less than a 0.01% annual chance of 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 394 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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