4286 Bluewater Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 4286 Bluewater Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,109 sqft · built 1986
Lot Size	0.254 acres (11,063 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Aug 2023)
Tax Bill	$4,435 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5260-1765-0200`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5260-1765-0200`
Alternative APNs	`00737439` `737439`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,109 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	2,109 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,063 sqft (0.254 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	984 sqft
Deck Area	70 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00737439
Street Address	4286 BLUEWATER AVE
City	SPRING HILL
State	FL
Zip	34606-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 26 BLK 1765 LOT 20
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UNIT 26
Legal Block	1765
Legal Lot Number	20
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2053
Census Tract	41203

Owner

Source: Hernando County records, as of July 27, 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	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 21, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC
Jan 21, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 19, 2017	Warranty Deed, Transfer · FHA Mortgage REAL ESTATE MORTGAGE NETWORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	202347392
Deed Book / Page	4325 / 993
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 1, 2023
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Document Number	0043250993
Book / Page	4325 / 993
Map Reference	MB 10 PG 77-85
Instrument Date	Jul 7, 2023
Instrument	2023047392
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	TROPIC TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8715 LAKE CALM LN, ODESSA, FL 33556-4707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024

Mortgage

Document Number	0004325995
Date	Aug 1, 2023
Instrument	4325/995

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024

Mortgage

Document Number	0041241677
Date	Feb 8, 2022
Book Page	4124/1677
Instrument	2022010506

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024

Mortgage

Document Number	0040590001
Date	Sep 21, 2021
Book Page	4059/1
Instrument	2021070983

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024

Mortgage

Document Number	0039761331
Date	Apr 5, 2021
Book Page	3976/1331
Instrument	2021023476

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Feb 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037971596
Date	Jan 21, 2020
Book Page	3797/1596
Instrument	2020004192

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 19, 2017
Property Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024
Document Number	0034610651
Book / Page	3461 / 0651
Map Reference	MB10 PG77-85
Instrument Date	Apr 6, 2017
Instrument	2017022001
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	CHELSEA TITLE OF THE NATURE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,179.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 PATRICIA LN, 150, TEN MILE, TN 37880-2533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4286 BLUEWATER AVE, SPRING HILL, FL 34606-2024

Mortgage

Document Number	34610652
Date	Apr 19, 2017
Instrument	3461/0652

Lender

Name	REAL ESTATE MORTGAGE NETWORK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$4,435.00 (+1.58%)	$301,668 (+4.91%) Land $35,402 Building $266,266	$301,668 (+4.91%) Land $35,402 Building $266,266
2023		$287,543 (+92.42%) Land $49,007 Building $238,536
2022	$4,366.00 Homeowner's exemption	$149,438	$287,543 Land $27,658 Building $259,885

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
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
Nearby Flood Claims	2 (1993–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2011 · rainfall accumulation

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 426 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

May also be available: Verizon.

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