2178 Rio Cir, Spring Hill, FL 34608 Property Records

Hernando County property record for 2178 Rio Cir, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,881 sqft · built 1991
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$107,000 (Jan 2017)
Tax Bill	$1,476 (2025)
Deeds & Mortgages	May 2018 Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0537-0070`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0537-0070`
Alternative APNs	`00416026` `416026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,881 sqft Living Area
1st Floor Area	1,873 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	143 ft deep x 87 ft wide
Garage Area	462 sqft

Exterior Amenities

Pool Area	364 sqft
Porch	Porch
Porch Area	1,418 sqft
Deck Area	208 sqft
Patio Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00416026
Street Address	2178 RIO CIR
City	SPRING HILL
State	FL
Zip	34608-4974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 537 LOT 7
Legal Range	18E
Legal Township	23S
Legal Section	19
Legal Subdivision	SPRING HILL UN 9
Legal Block	537
Legal Lot Number	7
Legal Unit	9
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1028
Census Tract	41106

Owner

Source: Hernando County records, as of December 10, 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	2 Individual Names on Record
Mailing Address	PO BOX 3569, SPRING HILL, FL 34611-3569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage FELTY TRUST AGREEMENT (PT)
Jan 23, 2017	Warranty Deed, Transfer SOUTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2017 · Amount on Record
Deed Sale	Jan 23, 2017 · Amount on Record
Deed Document Number	2017003721
Deed Book / Page	3432 / 1152
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2178 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0035810081
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2178 RIO CIR SPRING HILL FL 346084974, SPRING HILL, FL 34608-4974

Mortgage

Document Number	0035810081
Date	May 8, 2018
Book Page	003581/000081
Instrument	27906

Lender

Name	FELTY TRUST AGREEMENT (PT)
Address	10428 BEDFORD RD, SPRING HILL, FL 34608-4900

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 7, 2023

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 23, 2017
Property Address	2178 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0034321152
Book / Page	003432 / 001152
Instrument Date	Jan 11, 2017
Instrument	3721
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	SOUTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$749.00
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	PO BOX 5780 HUDSON FL 346745780, HUDSON, FL 34674-5780

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	$1,476.00 (+31.55%) Additional exemption filed	$142,854 (+25.86%)	$288,656 (+25.24%) Land $49,703 Building $238,953
2023		$113,503 (+3%) Land $113,503
2022	$1,122.00 Homeowner's exemption	$110,197	$230,487 Land $28,900 Building $201,587

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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 99.8% of the US · lower than 99.7% 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 387 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: AT&T, Verizon.

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