7045 Clearwater Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 7045 Clearwater Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,134 sqft · built 2005
Lot Size	0.376 acres (16,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,000 (Nov 2021)
Tax Bill	$12,001 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5050-0243-0430`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5050-0243-0430`
Alternative APNs	`00475532` `475532`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	5,134 sqft Living Area
Gross Area	7,228 sqft
1st Floor Area	2,188 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Exterior Material	Block/Stucco
Construction Type	Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,366 sqft (0.376 acres)
Lot Dimensions	155 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Open Porch
Porch Area	990 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00475532
Street Address	7045 CLEARWATER DR
City	SPRING HILL
State	FL
Zip	34606-6112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 5 BLK 243 LOT 43
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 5
Legal Block	243
Legal Lot Number	43
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	3
Census Block	3000
Census Tract	41401

Owner

Source: Hernando County records, as of October 21, 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	7045 CLEARWATER DR, SPRING HILL, FL 34606-6112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2017	Deed of Trust, Mortgage · VA Mortgage NEW PENN FINANCIAL LLC
Nov 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 29, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Apr 29, 2019 · Amount on Record
Deed Document Number	202182263
Deed Book / Page	4078 / 1463
Prior Transfer Date	Aug 23, 2013
Prior Transfer Doc	0030331895
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7045 CLEARWATER DR, SPRING HILL, FL 34606-6112
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034560016
Date	Apr 4, 2017
Book Page	3456/0016
Instrument	2017018985

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Nov 1, 2021
Property Address	7045 CLEARWATER DR, SPRING HILL, FL 34606-6112
Document Number	0040781463
Book / Page	4078 / 1463
Map Reference	MB 7 PG 96-107
Instrument Date	Oct 29, 2021
Instrument	2021082263
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	NOT AVAILABLE, BAPE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7045 CLEARWATER DR, SPRING HILL, FL 34606-6112

Mortgage

Document Number	40781466
Date	Nov 1, 2021
Instrument	4078/1466

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Apr 29, 2019
Property Address	7045 CLEARWATER DR, SPRING HILL, FL 34606-6112
Document Number	0036970422
Book / Page	003697 / 000422
Instrument Date	Apr 22, 2019
Instrument	25904
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7045 CLEARWATER DR SPRING HILL FL 346066112, SPRING HILL, FL 34606-6112

Mortgage

Document Number	36970424
Date	Apr 29, 2019
Book Page	003697/000424
Instrument	25905

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

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	$12,001.00 (+6.05%) Homeowner's exemption	$831,651 (+5.99%)	$965,186 (+3.26%) Land $47,952 Building $917,234
2023		$784,673 Land $784,673
2022	$11,316.00		$934,759 Land $44,025 Building $890,734

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 48 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	5 (1993–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims

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 99.1% of the US · lower than 98.7% 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 336 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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