2192 Rio Cir, Spring Hill, FL 34608 Property Records

Hernando County property record for 2192 Rio Cir, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,124 sqft · built 2020
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Oct 2024)
Tax Bill	$3,295 (2025)
Deeds & Mortgages	Sep 2023 Transfer Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0537-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0537-0060`
Alternative APNs	`00284294` `284294`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,124 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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)
Lot Dimensions	154 ft deep x 59 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00284294
Street Address	2192 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 6 OR 328 PG 737
Legal Range	18E
Legal Township	23S
Legal Section	19
Legal Subdivision	SPRING HILL UN 9
Legal Block	537
Legal Lot Number	6
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Intrafamily Transfer, Transfer
Jun 30, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Nov 1, 2019	Warranty Deed, Transfer GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC
Oct 23, 2019	Loan Modification, Mortgage CAPITAL CTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2024 · Amount on Record
Deed Sale	Oct 11, 2024 · Amount on Record
Prior Sale	Sep 26, 2023
Deed Document Number	2024062750
Deed Book / Page	4478 / 1951
Record Updated	Jun 8, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Sep 26, 2023
Property Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0043470221
Book / Page	4347 / 221
Map Reference	MB 8 PG 38-53
Instrument Date	Sep 26, 2023
Instrument	2023061141
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2192 RIO CIR, SPRING HILL, FL 34608-4974

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 RIO CIR, SPRING HILL, FL 34608-4976

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2192 RIO CIR, SPRING HILL, FL 34608-4974

Mortgage

Document Number	0043161414
Date	Jun 30, 2023
Book Page	4316/1414
Instrument	2023041532

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Mar 1, 2051

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Feb 11, 2021
Property Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0039510885
Book / Page	3951 / 885
Map Reference	MB 8 PG 38-53
Instrument Date	Feb 4, 2021
Instrument	2021009362
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2021
Title Company	ALL PERFORMANCE TITLE LLC, ALL PERFORMANCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,588.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2931 LANDOVER BLVD, 2931, SPRING HILL, FL 34608-7258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2192 RIO CIR, SPRING HILL, FL 34608-4974

Mortgage

Document Number	3951886
Date	Feb 11, 2021
Instrument	3951/886

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 1, 2019
Property Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0037690138
Book / Page	003769 / 000138
Instrument Date	Oct 29, 2019
Instrument	69149
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$108.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2931 LANDOVER BLVD SPRING HILL FL 346087258, SPRING HILL, FL 34608-7258

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	2192 RIO CIR, SPRING HILL, FL 34608-4974
Document Number	0037690139
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	GULF COAST TITLE COMPANY INC, GULF COAST TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0037690139
Date	Nov 1, 2019
Book Page	003769/000139
Instrument	69150

Lender

Name	CAPITAL CTY BK
Type	Bank
Address	5200 -A W NEWBERRY RD, GAINESVILLE, FL 32607

Agreement

Amount	Amount Recorded

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	$3,295.00 (-29.88%) Additional exemption filed	$270,291 (-23.65%)	$383,275 (+5.55%) Land $57,608 Building $325,667
2023		$354,010 (+3%) Land $33,486 Building $320,524
2022	$4,699.00 Homeowner's exemption	$343,699 Land $32,380 Building $311,319	$363,113 Land $39,792 Building $323,321

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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