Hernando County property record for 5478 Waycross Dr, Spring Hill, FL 34606
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,357 sqft · built 1977 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jul 2026) |
| Tax Bill | $2,511 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R32-323-17-5010-0025-0340 |
| Primary APN | R32-323-17-5010-0025-0340 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,357 sqft Living Area |
| Gross Area | 2,186 sqft |
| 1st Floor Area | 1,357 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 563 sqft |
| Patio Area | 48 sqft |
| Utility Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00209580 |
|---|---|
| Street Address | 5478 WAYCROSS DR |
| City | SPRING HILL |
| State | FL |
| Zip | 34606-4645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING HILL UNIT 1 BLK 25 LOT 34 |
| Legal Range | 17E |
| Legal Township | 23S |
| Legal Section | 32 |
| Legal Subdivision | SPRING HILL UN 1 |
| Legal Block | 25 |
| Legal Lot Number | 34 |
| Jurisdiction | HERNANDO FL |
| Township / Civil Division | SPRING HILL |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 41401 |
Source: Hernando County records, as of July 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 7, 2026 | Warranty Deed, Transfer · FHA Mortgage KIND LENDING LLC |
| Feb 23, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on File |
| Deed Sale | Jul 7, 2026 · Amount on File |
| Prior Sale | Jul 7, 2014 · Amount on File |
| Deed Document Number | 202645445 |
| Deed Book / Page | 4731 / 1011 |
| Prior Transfer Date | Jul 3, 2003 |
| Prior Transfer Doc | 0016990031 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Jul 7, 2026 |
| Property Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
| Document Number | 0000045445 |
| Book / Page | 4731 / 1011 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202645445 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159,075.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
| Document Number | 0000045446, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 202645446 |
| Name | KIND LENDING LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000045447, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 4731/1029 |
| Instrument | 202645447 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HERNANDO FL |
| Recording Date | Feb 23, 2026 |
| Property Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
| Document Number | 0046710132 |
| Book / Page | 4671 / 132 |
| Map Reference | MB 7 PG 53-64 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 2026010980 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
| Name | Verified Name |
|---|---|
| Address | 5478 WAYCROSS DR, SPRING HILL, FL 34606-4645 |
Source: Hernando County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Hernando County |
| Unified School District | Hernando County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,511.00 (+373.77%) Homeowner's exemption | $78,178 (+5.99%) | $193,999 (-0.28%) Land $36,500 Building $157,499 |
| 2023 | $73,762 (+3%) Land $73,762 | ||
| 2022 | $530.00 Homeowner's exemption | $71,614 | $194,541 Land $40,000 Building $154,541 |
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.
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 File median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 3 (1998–2012) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jun 2012 · Tropical Storm Debby |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Tillman Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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