2992 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2992 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	Individual Name on Record
Last Sale	$322,484 (Mar 2021)
Tax Bill	$7,276 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631342900011930`

Property Details

APN / Parcel Number

Primary APN	`202631342900011930`

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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2992 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 193
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Tract	3429
Legal Lot Number	193
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 December 11, 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
Co-owner	Co-owner on Record
Mailing Address	2992 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2021	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN BANCSHARES MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Deed Document Number	2021030859
Deed Book / Page	5902 / 2298
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2992 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2992 NOTTEL DR, SAINT CLOUD, FL 34772-8766

Mortgage

Document Number	0065390641
Date	Jan 24, 2024
Book Page	6539/641
Instrument	2024010114

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Mar 1, 2051

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2021
Property Address	2992 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Document Number	0059022298
Book / Page	5902 / 2298
Map Reference	MB 29 PG 5-8
Instrument Date	Feb 26, 2021
Instrument	2021030859
Transaction Type	Transfer
Record Updated	Jan 10, 2023
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	$2,257.50
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
Relationship	Joint Tenants with Right of Survivorship
Address	2992 NOTTEL DR, SAINT CLOUD, FL 34772-8766
Investor	Possibly a Property Investor

Mortgage

Document Number	0059022300
Date	Mar 2, 2021
Instrument	5902/2300

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 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	$7,276.00 (+6.55%) Homeowner's exemption	$374,658 (+5.99%)	$401,400 (+0.5%) Land $75,000 Building $326,400
2023	$6,829.00 (+2.74%) Homeowner's exemption	$353,496 (+3%)	$399,400 (+16.38%) Land $70,000 Building $329,400
2022	$6,647.00 Homeowner's exemption	$343,200 Land $60,000 Building $283,200	$343,200 Land $60,000 Building $283,200

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
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 59% of the US · lower than 67% 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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