2295 Rio Cir, Spring Hill, FL 34608 Property Records

Hernando County property record for 2295 Rio Cir, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,686 sqft · built 1990
Lot Size	0.262 acres (11,408 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Apr 2026)
Tax Bill	$1,416 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0513-0210`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0513-0210`
Alternative APNs	`00486334` `486334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,686 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,408 sqft (0.262 acres)
Lot Dimensions	126 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	300 sqft
Deck Area	256 sqft
Patio Area	21 sqft
Gazebo	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00486334
Street Address	2295 RIO CIR
City	SPRING HILL
State	FL
Zip	34608-4981
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 513 LOT 21
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	513
Legal Lot Number	21
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1030
Census Tract	41106

Owner

Source: Hernando County records, as of August 12, 2026

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	3660 E BAY DR, 228, LARGO, FL 33771-1904
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CTR
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE CENTER LLC
Sep 15, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Apr 27, 2018	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2026 · Amount on Record
Deed Sale	Apr 7, 2026 · Amount on Record
Prior Sale	Jun 7, 2016 · Amount on Record
Deed Document Number	202622652
Deed Book / Page	4691 / 1722
Prior Transfer Date	May 7, 1996
Prior Transfer Doc	1068000210
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 7, 2026
Property Address	2295 RIO CIR, SPRING HILL, FL 34608-4981
Document Number	0000022652
Book / Page	4691 / 1722
Instrument Date	Mar 27, 2026
Instrument	2026.22652
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$227,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022653,
Date	Apr 7, 2026
Instrument	2026..22653

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 7, 2026
Property Address	2295 RIO CIR, SPRING HILL, FL 34608-4981
Document Number	0046911722
Book / Page	4691 / 1722
Instrument Date	Mar 27, 2026
Instrument	202622652
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	SOUTHEAST TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$227,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022653,
Date	Apr 7, 2026
Instrument	202622653

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Sep 15, 2025
Property Address	2295 RIO CIR, SPRING HILL, FL 34608-4981
Document Number	0046091460
Book / Page	4609 / 1460
Map Reference	MB 8 PG 38-53
Instrument Date	Sep 8, 2025
Instrument	2025064084
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2295 RIO CIR, SPRING HILL, FL 34608-4981

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2295 RIO CIR, SPRING HILL, FL 34608-4981

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2295 RIO CIR, SPRING HILL, FL 34608-4981
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035061874
Date	Sep 14, 2017
Book Page	3506/1874
Instrument	2017052062

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HERNANDO FL
Property Address	2295 RIO CIR, SPRING HILL, FL 34608-4981
Document Number	0035810903
Instrument Date	Apr 27, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2295 RIO CIR SPRING HILL FL 346084981, SPRING HILL, FL 34608-4981

Mortgage

Document Number	0035810903
Date	May 8, 2018
Book Page	003581/000903
Instrument	28154

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

Interest

Rate Type	Adjustable Rate

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	$1,416.00 (+1.43%)	$90,220 (+2.9%)	$268,885 (+3.25%) Land $47,914 Building $220,971
2024	$1,396.00 (+102.03%) Additional exemption filed	$87,677 (+3%)	$260,414 (+2.6%) Land $36,506 Building $223,908
2023		$85,123 (+3%) Land $85,123
2022	$691.00 Homeowner's exemption	$82,644	$253,819 Land $33,083 Building $220,736

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	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	Not rated no burnable land within 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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