Hernando County property record for 446 Waterfall Dr, Spring Hill, FL 34608 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,820 sqft Living Area |
| Lot Size | 16,381 sqft (0.376 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $140,000 (2017) |
| Tax Bill | $2,196.00 (2025) |
| Primary APN | R32-323-17-5060-0286-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 2,988 sqft Gross Area |
| 1st Floor | 1,820 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination Exterior |
| Construction Type | Concrete Blocks Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 16,381 sqft (0.376 acres) |
| Depth X Width | 163 ft x 101 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 552 sqft Garage |
| Pool Area | 450 sqft Pool |
|---|---|
| Deck Area | 90 sqft Deck |
| Patio Area | 630 sqft Patio |
| Porch Area | 1,480 sqft Porch |
| Utility Building | 120 sqft Utility Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 00250640 |
|---|---|
| Street Address | 446 WATERFALL DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34608-6867 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 6 BLK 286 LOT 6 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UN 6 |
| Legal Block | 286 |
| Legal Lot Number | 6 |
| Jurisdiction | HERNANDO FL |
| Minor Civil Division | SPRING HILL |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 41402 |
Source: Hernando County records · APN R32-323-17-5060-0286-0060
Assessment roll updated December 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 446 WATERFALL DR, SPRING HILL, FL 34608-6867 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 03, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Jul 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on Record |
| Deed Sale | Jul 14, 2017 · Amount on Record |
| Prior Sale | May 16, 2013 · Amount on Record |
| Deed Doc Number | 201740167 |
| Deed Book / Page | 3488 / 773 |
| Prior Transfer Date | Apr 28, 2011 |
| Prior Transfer Doc | 0028211094 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 446 WATERFALL DR, SPRING HILL, FL 34608-6867 |
| Document Number | 0038050178 |
| Instrument Date | Feb 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 446 WATERFALL DR SPRING HILL FL 346086867, SPRING HILL, FL 34608-6867 |
| Document Number | 0038050178 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 003805/000178 |
| Instrument | 8653 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 09, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HERNANDO FL |
| Property Address | 446 WATERFALL DR, SPRING HILL, FL 34608-6867 |
| Document Number | 0036311041 |
| Instrument Date | Oct 03, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2018 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 446 WATERFALL DR SPRING HILL FL 346086867, SPRING HILL, FL 34608-6867 |
| Document Number | 0036311041 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 003631/001041 |
| Instrument | 61550 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 14, 2017 |
| Property Address | 446 WATERFALL DR, SPRING HILL, FL 34608-6867 |
| Document Number | 0034880773 |
| Book / Page | 3488 / 0773 |
| Map Reference | MB8 PG1-10 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 2017040167 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 509 NW 5TH ST, 509, ABILENE, KS 67410-2705 |
| Name | Verified Name |
|---|---|
| Address | 446 WATERFALL DR, SPRING HILL, FL 34608-6867 |
| Document Number | 34880775 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 3488/0775 |
| Name | CITADEL SERVICING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Hernando County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,196.00 (+48.98%) Homeowner's exemption | $144,832 (+5.99%) | $298,243 (+3.11%) Land $49,962 Building $248,281 |
| 2023 | $136,650 (+3%) Land $136,650 | ||
| 2022 | $1,474.00 Homeowner's exemption | $132,670 | $289,252 Land $46,686 Building $242,566 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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