3004 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3004 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	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$344,824 (May 2021)
Tax Bill	$6,128 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631342900011960`

Property Details

APN / Parcel Number

Primary APN	`202631342900011960`

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	10,019 sqft (0.23 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3004 NOTTEL DR
City	SAINT CLOUD
State	FL
Zip	34772-8768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 196
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Tract	3429
Legal Lot Number	196
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
Mailing Address	3004 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 3, 2021	Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Deed Document Number	2021066891
Deed Book / Page	5948 / 2679
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3004 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Transaction Type	Mortgage
Record Updated	Mar 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0065621596
Date	Mar 8, 2024
Book Page	6562/1596
Instrument	2024030843

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2054

Interest

Change Frequency	Monthly

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2021
Property Address	3004 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Document Number	0059482679
Book / Page	5948 / 2679
Map Reference	MB 29 PG 5-8
Instrument Date	Apr 29, 2021
Instrument	2021066891
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	$2,414.30
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	3004 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0059482681
Date	May 3, 2021
Instrument	5948/2681

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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	$6,128.00 (+6.76%) Homeowner's exemption	$310,569 (+5.99%)	$398,200 (+0.58%) Land $75,000 Building $323,200
2023	$5,740.00 (+2.7%) Homeowner's exemption	$293,027 (+3%)	$395,900 (+16.61%) Land $70,000 Building $325,900
2022	$5,589.00 Homeowner's exemption	$284,493	$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
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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