2194 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 2194 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,684 sqft · built 2006
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Owner Names on Record
Last Sale	$307,000 (Apr 2006)
Tax Bill	$680 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1412-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1412-0080`
Alternative APNs	`00308651` `308651`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,684 sqft Living Area
1st Floor Area	2,264 sqft
Upper Floors Area	420 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
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	125 ft deep x 100 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	235 sqft
Utility Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00308651
Street Address	2194 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-5375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1412 LOT 8 OR 331 PG 410
Legal Range	17E
Legal Township	23S
Legal Section	23
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1412
Legal Lot Number	8
Legal Unit	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1009
Census Tract	41104

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	2 Owner Names on Record
Mailing Address	2194 WATERFALL DR, SPRING HILL, FL 34608-5375
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Jul 17, 2017	Deed of Trust, Mortgage · Negative Amortization FLORIDA HOUSING FINANCE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2006 · Amount on Record
Deed Sale	Apr 6, 2006 · Amount on Record
Prior Sale	Feb 25, 2005 · Amount on Record
Deed Document Number	2006029643
Deed Book / Page	2233 / 0073
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2194 WATERFALL DR, SPRING HILL, FL 34608-5375
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2194 WATERFALL DR, SPRING HILL, FL 34608-5375

Mortgage

Document Number	0040321584
Date	Jul 28, 2021
Book Page	4032/1584
Instrument	2021056351

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2194 WATERFALL DR, SPRING HILL, FL 34608-5375
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034881195
Date	Jul 17, 2017
Book Page	3488/1195
Instrument	2017040290

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Negative Amortization
Amount	Amount Recorded
Term	120 Months
Due	Jul 16, 2027

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		$158,885 (+7.92%)	$417,519 (+6.14%) Land $52,107 Building $365,412
2024	$680.00
2023	Additional exemption filed	$147,223 (+3%) Land $147,223
2022	$3,727.00 Disabled Person's exemption Veteran's exemption	$142,935	$393,368 Land $44,541 Building $348,827

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 374 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: Hotwire Communications, Verizon.

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