2442 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 2442 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,012 sqft · built 1989
Lot Size	0.419 acres (18,267 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Oct 2018)
Tax Bill	$3,015 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5210-1389-0050`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5210-1389-0050`
Alternative APNs	`00304478` `304478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	3,031 sqft
1st Floor Area	2,012 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,267 sqft (0.419 acres)
Lot Dimensions	213 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	1,547 sqft
Deck Area	140 sqft
Patio Area	96 sqft
Utility Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00304478
Street Address	2442 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-4649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 21 BLK 1389 LOT 5 ORB 1158 PGS 189-190
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 21
Legal Block	1389
Legal Lot Number	5
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2010
Census Tract	41104

Owner

2442 Waterfall Dr is owned and occupied by two individuals who bought it in October 2018.

Source: Hernando County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 18, 2026	Intrafamily Transfer, Transfer · Line of Credit SPRING EQ LLC
May 18, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 31, 2018	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Nov 13, 1997 · Amount on File
Deed Document Number	201866078
Deed Book / Page	3638 / 704
Prior Transfer Date	Dec 9, 2002
Prior Transfer Doc	1616000966
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040271217
Date	Jul 15, 2021
Book Page	4027/1217
Instrument	2021053366

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HERNANDO FL
Recording Date	Feb 18, 2026
Property Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649
Document Number	0046691148
Book / Page	4669 / 1148
Map Reference	MB 9 PG 81-96
Instrument Date	Feb 18, 2026
Instrument	2026010185
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649

Mortgage

Document Number	0046811918
Date	Feb 18, 2026
Instrument	4681/1918

Lender

Name	SPRING EQ LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	182 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	May 18, 2023
Property Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649
Document Number	0042991158
Book / Page	4299 / 1158
Map Reference	MB 9 PG 81-96
Instrument Date	May 17, 2023
Instrument	2023030458
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Oct 31, 2018
Property Address	2442 WATERFALL DR, SPRING HILL, FL 34608-4649
Document Number	0036380704
Book / Page	3638 / 0704
Map Reference	MB9 PG81-96
Instrument Date	Oct 19, 2018
Instrument	2018066078
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	REPUBLIC LAND & TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 E COLFAX AVE, 136, ROSELLE PARK, NJ 07204-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 SUNNYSIDE DR, VIRGINIA BEACH, VA 23464-2128

Mortgage

Document Number	2018066079
Date	Oct 31, 2018
Instrument	2018066079

Lender

Name	OVM FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2442 Waterfall Dr was $3,015.

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	$3,015.00	$202,186	$376,606 Land $54,801 Building $321,805
2023		$190,765 (+3%) Land $190,765
2022	$2,296.00 Homeowner's exemption	$185,209	$360,162 Land $46,946 Building $313,216

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

Flood

FEMA maps place 2442 Waterfall Dr 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 2442 Waterfall Dr is low, with less than a 0.01% annual chance of 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.

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