2316 Rio Cir, Spring Hill, FL 34608 Property Records

Hernando County property record for 2316 Rio Cir, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,484 sqft · built 1985
Lot Size	0.313 acres (13,616 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Oct 2023)
Tax Bill	$4,076 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5090-0515-0060`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5090-0515-0060`
Alternative APNs	`00415599` `415599`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	2,176 sqft
1st Floor Area	1,484 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,616 sqft (0.313 acres)
Lot Dimensions	125 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00415599
Street Address	2316 RIO CIR
City	SPRING HILL
State	FL
Zip	34608-4982
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 9 BLK 515 LOT 6
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 9
Legal Block	515
Legal Lot Number	6
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1038
Census Tract	41106

Owner

2316 Rio Cir is owned and occupied by an individual who bought it in October 2023.

Source: Hernando County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	2316 RIO CIR, SPRING HILL, FL 34608-4982
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Oct 6, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Oct 6, 2020 · Amount on File
Deed Document Number	202368691
Deed Book / Page	4358 / 1483
Prior Transfer Date	Feb 8, 2007
Prior Transfer Doc	0023991406
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 26, 2023
Property Address	2316 RIO CIR, SPRING HILL, FL 34608-4982
Document Number	0043581483
Book / Page	4358 / 1483
Map Reference	MB 8 PG 38
Instrument Date	Oct 25, 2023
Instrument	2023068691
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	OCEAN SANDS TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12356 SHAFTON RD, SPRING HILL, FL 34608-1556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2316 RIO CIR, SPRING HILL, FL 34608-4982

Mortgage

Document Number	0043581485
Date	Oct 26, 2023
Instrument	4358/1485

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 6, 2020
Property Address	2316 RIO CIR, SPRING HILL, FL 34608-4982
Document Number	0038961062
Book / Page	3896 / 1062
Map Reference	MB 8 PG 38
Instrument Date	Oct 5, 2020
Instrument	2020062113
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,169.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7415 JASBOW JCT, 7415, WEEKI WACHEE, FL 34613-5367

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2316 RIO CIR, SPRING HILL, FL 34608-4982

Mortgage

Document Number	38961064
Date	Oct 6, 2020
Instrument	3896/1064

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2316 Rio Cir was $4,076.

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	$4,076.00	$237,084 Land $54,328 Building $182,756	$237,084 Land $54,328 Building $182,756
2023		$141,112 (+3%) Land $141,112
2022	$1,542.00 Homeowner's exemption	$137,002	$220,179 Land $37,580 Building $182,599

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2316 Rio Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 2316 Rio Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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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