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Single Family ResidenceResidential
$447,627$243 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $22,000 on Dec 28, 2023

34102 UMBRELLA ROCK DR

WEBSTER, FL 33597
3
Beds
2
Baths
1,840 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.8 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$448K
$422K low$473K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$22,000 · Dec 28, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$464 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$312,286 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,946
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$286,340
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$328,222
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$312,286

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.61
77
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.44 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHernando
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2015
Lot (acres)The size of the land the home sits on, from county records.1.80
ConstructionThe main material the home's frame and walls are built from.Concrete
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 72 ft²Porch · 367 ft²

Transaction History(11)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Eastside Elementary SchoolC-
Elementary · Grades KG–5 · 6.9 mi
H
Hernando High SchoolD-
High · Grades 9–12 · 12.0 mi
M
D. S. Parrott Middle SchoolC+
Middle · Grades 6–8 · 14.2 mi

District: Hernando County School District

Neighborhood · ZIP 33597These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.110
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.174
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.23

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.6%
PopulationHow many people live in this area.11,316
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.71 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,039
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,958
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

34102 Umbrella Rock Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in Ridge Manor Estates
  • Costs more per square foot than 88% of homes in Hernando County
  • Bigger than 81% of homes in Webster 33597
  • Has a bigger lot than 90% of homes in Hernando County
  • Newer than 86% of homes in Hernando County

What homes are worth in Webster 33597

Each bar is how many homes fall in that price range. The marker is this home.

This home
$82K$929K

This home is worth more than 78% of homes in Webster 33597.

How it measures up in Webster 33597

The dot is this home. The mark in the middle is the typical home in Webster 33597.

Estimated value$447,627
CheaperTypical $297,130Pricier

Pricier than 78% of homes nearby

Price per ft²$243
CheaperTypical $209Pricier

Pricier than 68% of homes nearby

Living area1,840 ft²
SmallerTypical 1,278 ft²Bigger

Bigger than 81% of homes nearby

Lot size1.8 ac
SmallerTypical 1.22 acBigger

Bigger than 57% of homes nearby

Year built2008
OlderTypical 1992Newer

Newer than 84% of homes nearby

How 34102 Umbrella Rock Dr ranks against every home in each area.
MeasureThis homeRidge Manor EstatesWebster 33597Hernando County
Estimated valuepricier than$447,62790% of homes78% of homes87% of homes
Price per ft²pricier than$24376% of homes68% of homes88% of homes
Living areabigger than1,840 ft²76% of homes81% of homes66% of homes
Lot sizebigger than1.8 ac78% of homes57% of homes90% of homes
Year builtnewer than200878% of homes84% of homes86% of homes

About 34102 Umbrella Rock Dr

How much is 34102 Umbrella Rock Dr, Webster, FL worth?

The TopHap Estimate for 34102 Umbrella Rock Dr, Webster, FL is $447,627 as of Jul 14, 2026. The likely range is $422,015 to $473,239. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 34102 Umbrella Rock Dr, Webster, FL last sell?

34102 Umbrella Rock Dr, Webster, FL last sold on Dec 28, 2023 for $22,000, according to the county's recorded deed. TopHap holds 8 recorded sales for this parcel.

How big is 34102 Umbrella Rock Dr, Webster, FL?

34102 Umbrella Rock Dr, Webster, FL has 3 bedrooms, 2 bathrooms, 1,840 square feet of living space and a 1.80-acre lot.

When was 34102 Umbrella Rock Dr, Webster, FL built?

34102 Umbrella Rock Dr, Webster, FL was built in 2008, making it 18 years old. The building has 1 story.

What schools serve 34102 Umbrella Rock Dr, Webster, FL?

34102 Umbrella Rock Dr, Webster, FL is assigned to Eastside Elementary School (elementary), rated C-; Hernando High School (high), rated D-; D. S. Parrott Middle School (middle), rated C+. All sit in Hernando County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 34102 Umbrella Rock Dr, Webster, FL compare to other homes in Webster 33597?

Among the 3,425 homes in Webster 33597, it is worth more than 78% of them ($447,627 against a typical $297,130), its price per square foot is higher than 68% of them ($243 against a typical $209), it is bigger than 81% of them (1,840 ft² against a typical 1,278 ft²), its lot is bigger than 57% of them (1.8 ac against a typical 1.22 ac) and it is newer than 84% of them (2008 against a typical 1992). Measured against all of Hernando County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 34102 Umbrella Rock Dr, Webster, FL?

The 2024 property tax bill for 34102 Umbrella Rock Dr, Webster, FL was $464. The county assessed it at $312,286.

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