546 Waterfall Dr, Spring Hill, FL 34608 Property Records

Hernando County property record for 546 Waterfall Dr, Spring Hill, FL 34608

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,837 sqft · built 2019
Lot Size	0.346 acres (15,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Mar 2026)
Tax Bill	$4,967 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5060-0286-0160`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5060-0286-0160`
Alternative APNs	`00250748` `250748`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,837 sqft Living Area
Gross Area	2,589 sqft
1st Floor Area	1,837 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,050 sqft (0.346 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	353 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00250748
Street Address	546 WATERFALL DR
City	SPRING HILL
State	FL
Zip	34608-6740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 6 BLK 286 LOT 16
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 6
Legal Block	286
Legal Lot Number	16
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3016
Census Tract	41402

Owner

Source: Hernando County records, as of March 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	9161 CID LN, WILTON, CA 95693-9641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 21, 2018	Trustee's Deed, Construction Loan · Construction Mortgage BRANNEN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	202615150
Deed Book / Page	4678 / 319
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Mar 6, 2026
Property Address	546 WATERFALL DR, SPRING HILL, FL 34608-6740
Document Number	0046780319
Book / Page	4678 / 319
Map Reference	MB 8 PG 1-10
Instrument Date	Feb 12, 2026
Instrument	2026015150
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	TITLE US LLC, TITLE USA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,884.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	546 WATERFALL DR, SPRING HILL, FL 34608-6740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9161 CID LANE, WHEATLAND, CA 95692

Mortgage

Document Number	0004678321
Date	Mar 6, 2026
Instrument	4678/321

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 21, 2018
Property Address	546 WATERFALL DR, SPRING HILL, FL 34608-6740
Document Number	0036441679
Book / Page	003644 / 001679
Instrument Date	Nov 20, 2018
Instrument	70163
Transaction Type	Construction Loan
Record Updated	Dec 28, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11094 HEATHROW AVE SPRING HILL FL 346090237, SPRING HILL, FL 34609-0237

Mortgage

Document Number	36441679
Date	Nov 21, 2018
Book Page	003644/001679
Instrument	70163

Lender

Name	BRANNEN BK
Type	Bank
Address	INVERNESS, FL 34451-1929

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate

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	$4,967.00 (+16.73%) Homeowner's exemption	$338,917 (+5.99%)	$350,078 (+3.74%) Land $45,903 Building $304,175
2023		$319,772 Land $31,328 Building $288,444
2022	$4,255.00		$337,457 Land $42,893 Building $294,564

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 190 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 / 1,000

May also be available: Verizon.

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