Hernando County property record for 2649 Waterfall Dr, Spring Hill, FL 34608
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,639 sqft · built 1999 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $377,000 (Nov 2024) |
| Tax Bill | $4,379 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage May 2019 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5250-1415-0680 |
| Primary APN | R32-323-17-5250-1415-0680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,639 sqft Living Area |
| 1st Floor Area | 1,639 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 140 ft deep x 91 ft wide |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 406 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00431688 |
|---|---|
| Street Address | 2649 WATERFALL DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-4440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 25 BLK 1415 LOT 68 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 23 |
| Legal Subdivision | SPRING HILL UNIT 25 |
| Legal Block | 1415 |
| Legal Lot Number | 68 |
| Legal Unit | 25 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 41103 |
Source: Hernando County records, as of December 10, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1919 ALTON DR, CLEARWATER, FL 33763-2207 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| May 6, 2019 | Warranty Deed, Transfer · Construction Mortgage SUSAN M PUZIO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2024 · Amount on Record |
| Deed Sale | Nov 13, 2024 · Amount on Record |
| Prior Sale | Mar 4, 2020 · Amount on Record |
| Deed Document Number | 2024070784 |
| Deed Book / Page | 4491 / 1959 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Mar 4, 2020 |
| Property Address | 2649 WATERFALL DR, SPRING HILL, FL 34608-4440 |
| Document Number | 0038140240 |
| Book / Page | 3814 / 240 |
| Map Reference | MB 10 PG 61-76 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 2020014305 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | CHELSEA TTL OF NATURE COAST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10469 IMPERIAL POINT DR W, 10469, LARGO, FL 33774-4936 |
| Name | Verified Name |
|---|---|
| Address | 64213 MORRISON RD, CAMBRIDGE, OH 43725-9555 |
| Document Number | 38140241 |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 3814/0241 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | May 6, 2019 |
| Property Address | 2649 WATERFALL DR, SPRING HILL, FL 34608-4440 |
| Document Number | 0037000421 |
| Book / Page | 003700 / 000421 |
| Instrument Date | May 6, 2019 |
| Instrument | 27512 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,259.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 9055 ANTILLES DR SEMINOLE FL 337762148, SEMINOLE, FL 33776-2148 |
| Document Number | 37000424 |
|---|---|
| Date | May 6, 2019 |
| Book Page | 003700/000424 |
| Instrument | 27513 |
| Name | SUSAN M PUZIO |
|---|---|
| Address | 2649 WATERFALL DR, SPRING HILL, FL 34608-4440 |
| Special Notes | Seller Financed |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 5, 2020 |
| Rate | 12% |
|---|
Source: Hernando County assessment roll, as of October 31, 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 | $4,379.00 (+16.65%) | $306,777 (+42.12%) Land $43,959 Building $262,818 | $306,777 (+5.44%) Land $43,959 Building $262,818 |
| 2023 | $215,860 (-21.62%) Land $215,860 | ||
| 2022 | $3,754.00 | $275,393 Land $27,005 Building $248,388 | $290,959 Land $36,007 Building $254,952 |
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 100 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.
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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