2736 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2736 Nottel Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,580 sqft · built 2023
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$312,300 (Sep 2025)
Tax Bill	$4,940 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-0138-0001-5390`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-0138-0001-5390`
Alternative APN	`263120013800015390`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,580 sqft Living Area
Gross Area	3,191 sqft
1st Floor Area	1,132 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2736 NOTTEL DR
City	SAINT CLOUD
State	FL
Zip	34772-8776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 5 PB 32 PGS 42-43 LOT 539
Legal Subdivision	HANOVER LAKES PHASE 5 A REPLAT
Legal Lot Number	539
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of March 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Sep 26, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 27, 2024	Special Warranty Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025 · Amount on Record
Deed Sale	Sep 26, 2025 · Amount on Record
Prior Sale	Feb 27, 2024 · Amount on Record
Deed Document Number	2025118639
Deed Book / Page	6854 / 528
Prior Transfer Date	Sep 20, 2025
Prior Transfer Doc	0068540528
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776

Mortgage

Document Number	0069220337
Date	Feb 12, 2026
Book Page	6922/337
Instrument	2026019976

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2025
Property Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776
Document Number	0068540528
Book / Page	6854 / 528
Map Reference	MB 32 PG 42&43
Instrument Date	Sep 20, 2025
Instrument	2025118639
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Amount	Amount Recorded
Tax	$2,186.10
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18746 BAM SWALLOW TERR, GAITHERSBURG, MD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2024
Property Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776
Document Number	0065552380
Book / Page	6555 / 2380
Map Reference	MB 32 PG 42&43
Instrument Date	Feb 23, 2024
Instrument	2024025380
Transaction Type	Transfer
Record Updated	Mar 8, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,416.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE, ORLANDO, FL 32814-6164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2736 NOTTEL DR, SAINT CLOUD, FL 34772-8776

Mortgage

Document Number	0065552382
Date	Feb 27, 2024
Instrument	6555/2382

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,940.00 (-42.51%)	$371,118 (-8.66%)	$402,100 (-1.03%) Land $75,000 Building $327,100
2024	$8,593.00 (+246.21%)	$406,300 (+480.43%) Land $70,000 Building $336,300	$406,300 (+480.43%) Land $70,000 Building $336,300
2023	$2,482.00 (+27.81%)	$70,000 (+75%) Land $70,000	$70,000 (+75%) Land $70,000
2022	$1,942.00	$40,000 Land $40,000	$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 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 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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