7280 Clearwater Dr, Spring Hill, FL 34606 Property Records

Hernando County property record for 7280 Clearwater Dr, Spring Hill, FL 34606

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,783 sqft · built 2005
Lot Size	0.331 acres (14,434 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Aug 2026)
Tax Bill	$1,807 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R32-323-17-5060-0256-0080`

Property Details

APN / Parcel Number

Primary APN	`R32-323-17-5060-0256-0080`
Alternative APNs	`00245728` `245728`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,783 sqft Living Area
Gross Area	2,267 sqft
1st Floor Area	1,783 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,434 sqft (0.331 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00245728
Street Address	7280 CLEARWATER DR
City	SPRING HILL
State	FL
Zip	34606-6300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING HILL UNIT 6 BLK 256 LOT 8 ORB 332 PG 120
Legal Range	17E
Legal Township	23S
Legal Section	32
Legal Subdivision	SPRING HILL UN 6
Legal Block	256
Legal Lot Number	8
Jurisdiction	HERNANDO FL
Township / Civil Division	SPRING HILL
Census Block Group	2
Census Block	2042
Census Tract	41402

Owner

7280 Clearwater Dr is owned and occupied by two individuals who bought it in August 2026.

Source: Hernando County records, as of September 17, 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	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 16, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Prior Sale	Aug 12, 2015 · Amount on File
Deed Document Number	202656429
Deed Book / Page	4750 / 1133
Prior Transfer Date	Apr 6, 2015
Prior Transfer Doc	0032071122
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HERNANDO FL
Recording Date	Aug 20, 2026
Property Address	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300
Document Number	0000056429
Book / Page	4750 / 1133
Instrument Date	Aug 17, 2026
Instrument	202656429
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300

Mortgage

Document Number	0000056430,
Date	Aug 20, 2026
Instrument	202656430

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300
Document Number	0039261270
Instrument Date	Oct 18, 2020
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7280 CLEARWATER DR SPRING HILL FL 346066300, SPRING HILL, FL 34606-6300

Mortgage

Document Number	0039261270
Date	Dec 16, 2020
Book Page	003926/001270
Instrument	79022

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300
Document Number	0037871825
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7280 CLEARWATER DR SPRING HILL FL 346066300, SPRING HILL, FL 34606-6300

Mortgage

Document Number	0037871825
Date	Dec 23, 2019
Book Page	003787/001825
Instrument	80499

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HERNANDO FL
Property Address	7280 CLEARWATER DR, SPRING HILL, FL 34606-6300
Document Number	0036271542
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7280 CLEARWATER DR SPRING HILL FL 346066300, SPRING HILL, FL 34606-6300

Mortgage

Document Number	0036271542
Date	Sep 27, 2018
Book Page	003627/001542
Instrument	59024

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	324 Months
Due	Sep 26, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7280 Clearwater Dr was $1,807, up 62.6% from the year before.

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	$1,807.00 (+62.65%)	$117,593 (+2.9%)	$269,931 (+3.51%) Land $44,024 Building $225,907
2024	$1,111.00 Additional exemption filed	$114,279 (+3%)	$260,782 Land $36,085 Building $224,697
2023		$110,950 Land $110,950
2022	$1,084.00		$259,792 Land $40,415 Building $219,377

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

FEMA maps place 7280 Clearwater Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 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

Wildfire risk around 7280 Clearwater Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Nearby Properties on Clearwater Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures