3028 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3028 Nottel Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,957 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$376,500 (Dec 2021)
Tax Bill	$5,944 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631342900012020`

Property Details

APN / Parcel Number

Primary APN	`202631342900012020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,957 sqft Heated Area
Gross Area	2,700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
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	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3028 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 202
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Tract	3429
Legal Lot Number	202
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	Company Name on Record
Mailing Address	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 15, 2021	Lease, Transfer
Feb 23, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Prior Sale	Feb 23, 2021 · Amount on Record
Deed Document Number	2021193377
Deed Book / Page	6108 / 1520
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2021
Property Address	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Document Number	0061081520
Book / Page	6108 / 1520
Map Reference	MB 29 PG 5-8
Instrument Date	Dec 3, 2021
Instrument	2021193377
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,635.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14124 EVENING SKY PL, ORLANDO, FL 32828-7497

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0061081522
Date	Dec 15, 2021
Instrument	6108/1522

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2021: Lease, Transfer

Document Type	Lease
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2021
Property Address	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Document Number	0061081539
Book / Page	6108 / 1539
Map Reference	MB 29 PG 5
Instrument Date	Nov 19, 2021
Instrument	2021193379
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

February 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 23, 2021
Property Address	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Document Number	0058961613
Book / Page	5896 / 1613
Map Reference	MB 29 PG 5
Instrument Date	Feb 18, 2021
Instrument	2021025794
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 11, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,174.90
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	3028 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0058961617
Date	Feb 23, 2021
Instrument	5896/1617

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 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	$5,944.00 (+6.89%) Homeowner's exemption	$305,289 (+5.99%)	$345,900 (+0.76%) Land $75,000 Building $270,900
2023	$5,561.00 (+3.31%) Homeowner's exemption	$288,045 (-1.66%)	$343,300 (+17.21%) Land $70,000 Building $273,300
2022	$5,383.00 Homeowner's exemption	$292,900 Land $60,000 Building $232,900	$292,900 Land $60,000 Building $232,900

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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