Hernando County property record for 2554 Waterfall Dr, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,281 sqft · built 2004 |
| Lot Size | 0.377 acres (16,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $12,000 (May 2003) |
| Tax Bill | $2,025 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5210-1386-0040 |
| Primary APN | R32-323-17-5210-1386-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,281 sqft Living Area |
| Gross Area | 3,305 sqft |
| 1st Floor Area | 2,281 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,440 sqft (0.377 acres) |
| Lot Dimensions | 146 ft deep x 111 ft wide |
| Garage Type | Attached |
| Garage Area | 682 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,305 sqft |
| Deck Area | 70 sqft |
| Patio Area | 340 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00426890 |
|---|---|
| Street Address | 2554 WATERFALL DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-4655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 21 BLK 1386 LOT 4 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UNIT 21 |
| Legal Block | 1386 |
| Legal Lot Number | 4 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 41104 |
Source: Hernando County records, as of March 6, 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 | 2554 WATERFALL DR, SPRING HILL, FL 34608-4655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 6, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2003 · Amount on Record |
| Deed Sale | May 12, 2003 · Amount on Record |
| Deed Book / Page | 1665 / 1558 |
| Last Transfer Date | Jun 27, 2024 |
| Transfer Doc | 0044400814 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 2554 WATERFALL DR, SPRING HILL, FL 34608-4655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | WATERFALL DR, SPRING HILL, FL 34608 |
| Document Number | 0038931082 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 3893/1082 |
| Instrument | 2020060279 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 2554 WATERFALL DR, SPRING HILL, FL 34608-4655 |
| Document Number | 0037291863 |
| Instrument Date | Jul 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2554 WATERFALL DR SPRING HILL FL 346084655, SPRING HILL, FL 34608-4655 |
| Document Number | 0037291863 |
|---|---|
| Date | Jul 22, 2019 |
| Book Page | 003729/001863 |
| Instrument | 44978 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 21, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,025.00 (+54.58%) | $177,880 (+5.99%) | $518,615 (+9.23%) Land $52,444 Building $466,171 |
| 2023 | $167,832 (+3%) Land $167,832 | ||
| 2022 | $1,310.00 Homeowner's exemption | $162,944 | $474,800 Land $44,881 Building $429,919 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 176 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 / 35 |
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