2248 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 2248 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1986
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Apr 2020)
Tax Bill	$2,853 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1412-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1412-0120`
Alternative APNs	`00308697` `308697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,892 sqft Living Area
Gross Area	2,701 sqft
1st Floor Area	1,892 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1995
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Screened Porch
Porch Area	1,902 sqft
Deck Area	78 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00308697
Street Address	2248 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-4639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1412 LOT 12 ORB 355 PG 900
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1412
Legal Lot Number	12
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 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Dec 16, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 13, 2020	Warranty Deed, Transfer · VA Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Prior Sale	Dec 30, 2015 · Amount on Record
Deed Document Number	202023298
Deed Book / Page	3829 / 371
Prior Transfer Date	Jun 14, 2006
Prior Transfer Doc	0022781330
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639
Transaction Type	Mortgage
Record Updated	Dec 4, 2025
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639

Mortgage

Document Number	0046271069
Date	Oct 29, 2025
Book Page	4627/1069
Instrument	2025074950

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639

Mortgage

Document Number	0041000760
Date	Dec 16, 2021
Book Page	4100/760
Instrument	2021094670

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 13, 2020
Property Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639
Document Number	0038290371
Book / Page	3829 / 371
Map Reference	MB 9 PG 81-96
Instrument Date	Apr 13, 2020
Instrument	2020023298
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	TRUSTED TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,379.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9280 SALVINI DR, 9280, BROOKSVILLE, FL 34613-4905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2248 WATERFALL DR, SPRING HILL, FL 34608-4639

Mortgage

Document Number	38290373
Date	Apr 13, 2020
Instrument	3829/0373

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	$2,853.00 (+33.69%) Homeowner's exemption	$190,889 (+5.99%)	$281,897 (+4.38%) Land $45,625 Building $236,272
2023		$180,106 (+3%) Land $180,106
2022	$2,134.00 Homeowner's exemption	$174,860	$270,066 Land $39,000 Building $231,066

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 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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