2940 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2940 Nottel Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,580 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on Record
Tax Bill	$7,203 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631342900011800`

Property Details

APN / Parcel Number

Primary APN	`202631342900011800`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,580 sqft Heated Area
Gross Area	3,191 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2940 NOTTEL DR
City	SAINT CLOUD
State	FL
Zip	34772-8766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 180
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Tract	3429
Legal Lot Number	180
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 5, 2026

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

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 11, 2026	Warranty Deed, Transfer · Conventional Mortgage JABAR LACUNA LLC
Mar 23, 2021	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2026
Deed Sale	Feb 11, 2026
Prior Sale	Mar 23, 2021 · Amount on Record
Deed Document Number	2026019451
Deed Book / Page	6921 / 2125
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0064400816
Date	Jul 13, 2023
Book Page	6440/816
Instrument	2023090528

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Jun 1, 2063

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2026
Property Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Document Number	0069212125
Book / Page	6921 / 2125
Map Reference	MB 29 PG 5-8
Instrument Date	Feb 6, 2026
Instrument	2026019451
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	CLOSETRAK LLC, CLOSED LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2626 OLIVE MOUNTAIN BND, SAINT CLOUD, FL 34772-5714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0006925918
Date	Feb 11, 2026
Instrument	6925/918

Lender

Name	JABAR LACUNA LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Mar 26, 2026

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 23, 2021
Property Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Document Number	0059182178
Book / Page	5918 / 2178
Map Reference	MB 29 PG 5-8
Instrument Date	Mar 18, 2021
Instrument	2021043245
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0059182180
Date	Mar 23, 2021
Instrument	5918/2180

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$7,203.00 (+6.55%) Homeowner's exemption	$370,620 (+5.99%)	$398,200 (+0.58%) Land $75,000 Building $323,200
2023	$6,760.00 (+2.72%) Homeowner's exemption	$349,685 (+3%)	$395,900 (+16.61%) Land $70,000 Building $325,900
2022	$6,581.00 Homeowner's exemption	$339,500 Land $60,000 Building $279,500	$339,500 Land $60,000 Building $279,500

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 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 A, 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	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 303 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, CenturyLink.

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