2405 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 2405 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 2004
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jan 2025)
Tax Bill	$3,555 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Sep 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1401-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1401-0160`
Alternative APNs	`00306902` `306902`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	2,104 sqft
1st Floor Area	1,374 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	232 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00306902
Street Address	2405 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-4648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1401 LOT 16 ORB 337 PG 541
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1401
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	1
Census Block	1043
Census Tract	41103

Owner

Source: Hernando County records, as of August 18, 2026

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	10082 DUNKIRK RD, SPRING HILL, FL 34608-4456
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2024	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2025 · Amount on Record
Deed Sale	Jan 8, 2025 · Amount on Record
Prior Sale	Sep 25, 2024 · Amount on Record
Deed Document Number	20252346
Deed Book / Page	4510 / 889
Record Updated	Sep 20, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jan 8, 2025
Property Address	2405 WATERFALL DR, SPRING HILL, FL 34608-4648
Document Number	0045100889
Book / Page	4510 / 889
Map Reference	MB 9 PG 81-96
Instrument Date	Dec 30, 2024
Instrument	2025002346
Transaction Type	Transfer
Record Updated	Jan 24, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10082 DUNKIRK RD, SPRING HILL, FL 34608-4456

Mortgage

Document Number	0004510891
Date	Jan 8, 2025
Instrument	4510/891

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

Mortgage

Document Number	0045100912
Date	Jan 8, 2025
Book Page	4510/912
Instrument	2025002348

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Sep 25, 2024
Property Address	2405 WATERFALL DR, SPRING HILL, FL 34608-4648
Document Number	0044730389
Book / Page	4473 / 389
Map Reference	MB 9 PG 81-96
Instrument Date	Sep 16, 2024
Instrument	2024059519
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,714.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2405 WATERFALL DR, SPRING HILL, FL 34608-4648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

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	$3,555.00 (+873.97%)	$240,020 (+176.84%) Land $38,000 Building $202,020	$240,020 (+4.94%) Land $38,000 Building $202,020
2023		$86,701 (+3%) Land $86,701
2022	$365.00 Homeowner's exemption	$84,176	$228,723 Land $32,500 Building $196,223

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 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 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.

Nearby Properties on Waterfall Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures