3088 Nottel Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3088 Nottel Dr, Saint Cloud, FL 34772 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,957 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$308,500 (Jan 2021)
Tax Bill	$6,609 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3429-0001-2170`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3429-0001-2170`
Alternative APN	`263120342900012170`

Interior

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

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3088 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 217
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Lot Number	217
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 20-26-31-3429-0001-2170

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 07, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Aug 03, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jan 04, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2021 · Amount on Record
Deed Sale	Jan 04, 2021 · Amount on Record
Deed Document Number	2021243
Deed Book / Page	5863 / 2045
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Transaction Type	Mortgage
Record Updated	Dec 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0065011593
Date	Nov 07, 2023
Book Page	6501/1593
Instrument	2023146740

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0062621931
Date	Aug 03, 2022
Book Page	6262/1931
Instrument	2022118816

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jan 01, 2051

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2021
Property Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768
Document Number	0058632045
Book / Page	5863 / 2045
Map Reference	MB 29 PG 5
Instrument Date	Dec 30, 2020
Instrument	2021000243
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,159.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3088 NOTTEL DR, SAINT CLOUD, FL 34772-8768

Mortgage

Document Number	0058632049
Date	Jan 04, 2021
Instrument	5863/2049

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,609.00 (-0.96%) Homeowner's exemption	$342,400 (+0.74%) Land $75,000 Building $267,400	$342,400 (+0.74%) Land $75,000 Building $267,400
2023	$6,673.00 (+9.83%)	$339,900 (+16.68%) Land $70,000 Building $269,900	$339,900 (+16.68%) Land $70,000 Building $269,900
2022	$6,076.00	$291,300 Land $60,000 Building $231,300	$291,300 Land $60,000 Building $231,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 508 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Lumen Technologies, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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