2961 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2961 Nottel Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,855 sqft · built 2021
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Last Sale	$445,100 (Jun 2021)
Tax Bill	$12,043 (2025)
Deeds & Mortgages	Nov 2023 Transfer Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3429-0001-2930`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3429-0001-2930`
Alternative APN	`263120342900012930`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,855 sqft Living Area
Gross Area	4,643 sqft
1st Floor Area	1,945 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	609 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2961 NOTTEL DR
City	SAINT CLOUD
State	FL
Zip	34772-8767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 293
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Lot Number	293
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 November 26, 2025

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	23 SNOWBERRY, LAKE FOREST, CA 92630-8383
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage BRADGEWAY LENDING PATRNERS LLC
Jun 30, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2021102422
Deed Book / Page	5992 / 2892
Last Transfer Date	Nov 17, 2023
Transfer Doc	0065070968
Record Updated	Sep 20, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2023
Property Address	2961 NOTTEL DR, SAINT CLOUD, FL 34772-8767
Document Number	0065070968
Book / Page	6507 / 968
Map Reference	MB 29 PG 5
Instrument Date	Nov 17, 2023
Instrument	2023152206
Transaction Type	Transfer
Record Updated	Dec 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 SNOWBERRY, LAKE FOREST, CA 92630-8383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 SNOWBERRY, LAKE FOREST, CA 92630-8383

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2961 NOTTEL DR, SAINT CLOUD, FL 34772-8767
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15192 TOURAINE WAY, IRVINE, CA 92604-3173

Mortgage

Document Number	0064620459
Date	Aug 22, 2023
Book Page	6462/459
Instrument	2023110649

Lender

Name	BRADGEWAY LENDING PATRNERS LLC
Type	Non-Lending Institution
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	6.87%
Max Rate At Change	10.8%
Max Rate	15.3%

June 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2021
Property Address	2961 NOTTEL DR, SAINT CLOUD, FL 34772-8767
Document Number	0059922892
Book / Page	5992 / 2892
Map Reference	MB 29 PG 5
Instrument Date	Jun 25, 2021
Instrument	2021102422
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15192 TOURAINE WAY, IRVINE, CA 92604-3173

Mortgage

Document Number	0059922896
Date	Jun 30, 2021
Instrument	5992/2896

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3.95%
Max Rate At Change	5.98%
Index	1-Year LIBOR
Max Rate	9.95%

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	$12,043.00 (-0.14%)	$576,900 (+1.07%) Land $100,000 Building $476,900	$576,900 (+1.07%) Land $100,000 Building $476,900
2024	$12,060.00 (+10.19%)
2023	$10,945.00 (+12.45%)	$570,800 (+26.14%) Land $95,000 Building $475,800	$570,800 (+26.14%) Land $95,000 Building $475,800
2022	$9,733.00	$452,500 Land $80,000 Building $372,500	$452,500 Land $80,000 Building $372,500

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 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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	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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