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2825 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2825 Nottel Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,126 sqft · built 2021
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$376,689 (Dec 2021)
Tax Bill$7,286 (2025)
Deeds & MortgagesJul 2023 Mortgage
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202631013700013470

Property Details

APN / Parcel Number

Primary APN202631013700013470

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,126 sqft Heated Area
Gross Area2,720 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area150 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2825 NOTTEL DR
CitySAINT CLOUD
StateFL
Zip34772-8779
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHANOVER LAKES PH 4 PB 30 PGS 97-99 LOT 347
Legal SubdivisionHANOVER LAKES PHS 4
Legal Phase4
Legal Lot Number347
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1041
Census Tract43301

Owner

Source: Osceola County records · APN 202631013700013470

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2825 NOTTEL DR, SAINT CLOUD, FL 34772-8779
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 25, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Dec 06, 2021Special Warranty Deed, Transfer · FHA Mortgage
HOMETOWN LENDERS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 06, 2021 · Amount on Record
Deed SaleDec 06, 2021 · Amount on Record
Deed Document Number2021187962
Deed Book / Page6101 / 1481
Record UpdatedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2825 NOTTEL DR, SAINT CLOUD, FL 34772-8779
Transaction TypeMortgage
Record UpdatedAug 10, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2825 NOTTEL DR, SAINT CLOUD, FL 34772-8779

Mortgage

Document Number0064451544
DateJul 25, 2023
Book Page6445/1544
Instrument2023095702
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term341 Months
DueDec 01, 2051

December 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 06, 2021
Property Address2825 NOTTEL DR, SAINT CLOUD, FL 34772-8779
Document Number0061011481
Book / Page6101 / 1481
Map ReferenceMB 30 PG 97-99
Instrument DateNov 29, 2021
Instrument2021187962
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyTRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,636.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2825 NOTTEL DRIVE, SAINT CLOUD, FL 34772-8779

Mortgage

Document Number0061011483
DateDec 06, 2021
Instrument6101/1483
Lender
NameHOMETOWN LENDERS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,286.00 (+6.26%) Homeowner's exemption$355,446 (+5.99%)$398,100 (+1.45%) Land $100,000 Building $298,100
2023$6,857.00 (+2.59%) Homeowner's exemption$335,368 (+3%)$392,400 (+20.52%) Land $95,000 Building $297,400
2022$6,684.00 Homeowner's exemption$325,600 Land $80,000 Building $245,600$325,600 Land $80,000 Building $245,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
157 of 173 on primary residences
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Flood Events
  • Hurricane Irma (Sep 2017), 8 claims

Wildfire

Wildfire RiskModerate
above 58% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 543 per year
ExposureDirect
burnable vegetation at the parcel

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.

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