4309 Bluewater Ave, Spring Hill, FL 34606 Property Records

Hernando County property record for 4309 Bluewater Ave, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,871 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Dec 2023)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2023 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5260-1768-0120`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5260-1768-0120`
Alternative APNs	`00736396` `736396`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,871 sqft Living Area
1st Floor Area	1,871 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	468 sqft
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00736396
Street Address	4309 BLUEWATER AVE
City	SPRING HILL
State	FL
Zip	34606-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 26 BLK 1768 LOT 12 OR 753 PG 948
Legal Range	17E
Legal Township	23S
Legal Section	11
Legal Subdivision	SPRING HILL UNIT 26
Legal Block	1768
Legal Lot Number	12
Legal Unit	26
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2052
Census Tract	41203

Owner

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	4309 BLUEWATER AVE, SPRING HILL, FL 34606-2027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Jul 27, 2023	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Prior Sale	Jul 27, 2023 · Amount on Record
Deed Document Number	2023075710
Deed Book / Page	4369 / 362
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Dec 1, 2023
Property Address	4309 BLUEWATER AVE, SPRING HILL, FL 34606-2027
Document Number	0043690362
Book / Page	4369 / 362
Map Reference	MB 10 PG 77-85
Instrument Date	Nov 30, 2023
Instrument	2023075710
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	HOMES AND LAND TITLE SERVICES/HERNAN, HOMES & LAND TTL SVCS OF HER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6492 LAUREL OAK DR, SPRING HILL, FL 34607-2321

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4309 BLUEWATER AVE, SPRING HILL, FL 34606-2027

Mortgage

Document Number	0004369364
Date	Dec 1, 2023
Instrument	4369/364

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

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

July 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Jul 27, 2023
Property Address	4309 BLUEWATER AVE, SPRING HILL, FL 34606-2027
Document Number	0043240747
Book / Page	4324 / 747
Map Reference	MB 10 PG 77-85
Instrument Date	Jul 27, 2023
Instrument	2023046649
Transaction Type	Construction Loan
Record Updated	Feb 13, 2024
Title Company	HOMES AND LAND TITLE SERVICES/HERNAN, HOMES & LAND TTL SVCS OF HER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10380 DESERT SPARROW AVE, WEEKI WACHEE, FL 34613-5376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6492 LAUREL OAK DR, SPRING HILL, FL 34607-2321
Investor	Possibly a Property Investor

Mortgage

Document Number	0004324748
Date	Jul 27, 2023
Instrument	4324/748

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hernando County assessment roll, as of October 31, 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	$3,471.00 (+60.18%) Additional exemption filed	$282,631 (+68.52%) Land $30,400 Building $252,231	$282,631 (+13.91%) Land $30,400 Building $252,231
2023		$167,713 (+4.31%) Land $167,713
2022	$2,167.00 Homeowner's exemption	$160,777	$248,123 Land $23,750 Building $224,373

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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