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278 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 278 Waterfall Dr, Spring Hill, FL 34608 · Last verified July 2026

Property Highlights

Property TypeVacant Land > Residential
Lot Size15,081 sqft (0.346 acres)
OccupancyOwner Occupied
Last Sale$383,000 (2026)
Tax Bill$781.00 (2025)

Property Details

APN / Parcel Number

Primary APNR32-323-17-5060-0269-0090
Alternative APNs
  • 00248413
  • 248413

Exterior

Lot Area15,081 sqft (0.346 acres)
Depth X Width149 ft x 90 ft Depth x Width

Location & Zoning

Account Number00248413
Street Address278 WATERFALL DR
CitySPRING HILL
StateFL
Zip34608-6862
Property UsageResidential Property Usage
TypeVacant Land > Residential
Legal DescriptionSPRING HILL UNIT 6 BLK 269 LOT 9 ORB 317 PG 165
Legal Range17E
Legal Township23S
Legal Section32
Legal SubdivisionSPRING HILL UN 6
Legal Block269
Legal Lot Number9
JurisdictionHERNANDO FL
Minor Civil DivisionSPRING HILL
Census Blockgroup3
Census Block3016
Census Tract41402

Owner

Source: Hernando County records · APN R32-323-17-5060-0269-0090

Assessment roll updated December 8, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 20, 2026Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EMBRACE HOME LOANS
Apr 20, 2026Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EMBRACE HOME LOANS
May 31, 2024Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 26, 2023Special Warranty Deed, Transfer
UNKNOWN, TRUSTED TITLE INC
Aug 30, 2022Warranty Deed, Transfer · Line of Credit
CAPITAL CITY BANK
Feb 09, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Feb 15, 2022Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 20, 2026 · Amount on Record
Deed SaleApr 20, 2026 · Amount on Record
Prior SaleMay 31, 2024 · Amount on Record
Deed Doc Number202625524
Deed Book / Page4696 / 1759
Record RefreshedSep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHERNANDO FL
Recording DateApr 20, 2026
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0046961759
Book / Page4696 / 1759
Instrument DateApr 13, 2026
Instrument202625524
Transaction TypeTransfer
Record UpdatedJul 06, 2026
Title CompanyPARAMOUNT TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$270,781.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address278 WATERFALL DR, SPRING HILL, FL 34608-6862

Mortgage

Document Number0000025525,
DateApr 20, 2026
Instrument202625525
Lender
NameEMBRACE HOME LOANS
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6%
Max Rate-1%

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHERNANDO FL
Recording DateApr 20, 2026
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0000025524
Book / Page4696 / 1759
Instrument DateApr 13, 2026
Instrument2026.25524
Transaction TypeTransfer
Record UpdatedMay 13, 2026
Title CompanyPARAMOUNT TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$270,781.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address278 WATERFALL DR, SPRING HILL, FL 34608-6862

Mortgage

Document Number0000025525,
DateApr 20, 2026
Instrument2026..25525
Lender
NameEMBRACE HOME LOANS
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6%
Max Rate-1%

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateMay 31, 2024
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0044290487
Book / Page4429 / 487
Map ReferenceMB 8 PG 1
Instrument DateMay 23, 2024
Instrument2024032649
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$420.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address100 W GARDEN ST, PENSACOLA, FL 32502-5618
InvestorPossibly a Property Investor

June 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionHERNANDO FL
Recording DateJun 26, 2023
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0043121807
Book / Page4312 / 1807
Map ReferenceMB 8 PG 1-10
Instrument DateJun 10, 2023
Instrument2023039280
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyUNKNOWN, TRUSTED TITLE INC

Transaction

AmountAmount Recorded
Tax$371.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address10368 LACY ST, SPRING HILL, FL 34608-4846

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1353 AUTUMN RD, SPRING HILL, FL 34606-5115

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHERNANDO FL
Recording DateAug 30, 2022
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0042131927
Book / Page4213 / 1927
Map ReferenceMB 8 PG 1-10
Instrument DateAug 24, 2022
Instrument2022065435
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyUNKNOWN, TRUSTED TITLE INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$266.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address156 TATE AVE, BUCHANAN, NY 10511-1308

Transferred To (Grantee/Buyer)

NameVerified Name
Address10368 LACY ST, SPRING HILL, FL 34608-4846

Mortgage

Document Number0042131929
DateAug 30, 2022
Instrument4213/1929
Lender
NameCAPITAL CITY BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueAug 24, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateFeb 09, 2022
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0041251441
Book / Page4125 / 1441
Map ReferenceMB 8 PG 1-10
Instrument DateAug 25, 2021
Instrument2022010974
Transaction TypeTransfer
Record UpdatedDec 11, 2025
Title CompanyAMROCK INC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address703 104TH AVE N, NAPLES, FL 34108-3230

Transferred To (Grantee/Buyer)

NameVerified Name
Address156 TATE AVE, BUCHANAN, NY 10511-1308

Mortgage

Document Number0004125932
DateFeb 09, 2022
Instrument4125/932
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term349 Months
DueMar 01, 2051

February 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionHERNANDO FL
Recording DateFeb 15, 2022
Property Address278 WATERFALL DR, SPRING HILL, FL 34608-6862
Document Number0041280064
Book / Page4128 / 64
Map ReferenceMB 8 PG 1-10
Instrument DateAug 25, 2021
Instrument2022012260
Transaction TypeTransfer
Record UpdatedDec 11, 2025

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address703 104TH AVE N, NAPLES, FL 34108-3230

Transferred To (Grantee/Buyer)

NameVerified Name
Address156 TATE AVE, BUCHANAN, NY 10511-1308

Tax Assessment & Valuation

Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyHernando County
Unified School DistrictHernando County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$781.00 (+19.79%)$45,997 (+7.02%) Land $45,997$45,997 (+7.02%) Land $45,997
2023$42,981 (+35.07%)
2022$652.00$31,821 Land $31,821$42,981 Land $42,981

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hernando County (12053C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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