Single Family Residence in HANOVER LAKES PH 5, ST CLOUD · No CDD on record · Built 2024
HANOVER LAKES PH 5 · St Cloud, FL 34772 · Osceola County
Listing data updated October 14, 2026 at 8:11 AM ET · checked against the MLS hourly
Listed by ELITE REALTY ENTERPRISES LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2Bathrooms
1,910Sq Ft
2024Year Built
$254Per Sq Ft
WaterfrontGarageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
37% above
$/sq ft vs community
$254 here vs $186 median sold (12 mo)
Buyer leverage
Buyer advantage
1 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~75 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 2699 Nottel Drive in Hanover Lakes Ph 5, St Cloud is listed at $486,000 (1,910 sq ft, about $254 per sq ft). That sits within a few percent of Hanover Lakes Ph 5's median closed sale of $540,000 over the last 12 months (15 recorded sales). Per square foot it is above the community's recent $186/sq ft by about 37%. It came to market within the past week. Listing facts: built in 2024, waterfront, HOA dues of $110/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
1,910 sq ft of living area
Garage
Listed at $486,000 — recent neighborhood median sale price ~$540,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $110/mo (per listing)
Listing description
About this home
Welcome to waterfront living in the highly desirable Hanover Lakes community of St. Cloud! This beautifully maintained 4-bedroom, 2-bathroom home offers the perfect blend of comfort, style, and Florida lifestyle living with spectacular canal views.
Designed for everyday living and effortless entertaining, the open-concept floor plan connects the kitchen, dining area, and spacious living room, creating a bright and welcoming atmosphere. The kitchen features generous cabinetry, ample counter space, stainless steel appliances, a large island with breakfast bar seating, and a layout that keeps you connected to the main living areas. The private primary suite offers peaceful canal views, a spacious walk-in closet, and an en-suite bathroom with dual sinks and a walk-in shower.
Three additional bedrooms provide flexibility for guests, a home office, fitness area, hobby room, or additional living space. A second full bathroom is conveniently located near the secondary bedrooms and main living areas. Step outside and enjoy your own backyard retreat with relaxing water views, a covered patio or lanai, brick patio area, raised garden beds, and a cozy fire pit—perfect for quiet evenings or weekend gatherings.
The property also offers navigable community waterways, canal frontage, dock rights, access to the community boat lift, and direct connection to Alligator Lake and the Alligator Chain of Lakes, offering endless opportunities for boating, fishing, and exploring Central Florida’s natural beauty. Additional features include tile flooring in the main living areas, carpeted bedrooms, indoor laundry, rain gutters, sidewalks on both sides of the home, a two-car garage with epoxy flooring and storage shelving, energy-efficient construction, and outdoor space with room to create a private pool or custom outdoor retreat. Hanover Lakes offers resort-style amenities including a community pool, splash pad, playground, walking trails, green spaces, private boat dock, community boat lift, and neighborhood events.
Conveniently located near shopping, dining, schools, major roadways, Lake Nona, Orlando International Airport, medical centers, employment hubs, and Central Florida attractions, this home delivers both peaceful waterfront living and everyday convenience. With its modern design, functional 4-bedroom layout, scenic canal setting, and access to one of the area’s most desirable boating lifestyles, this Hanover Lakes home is more than a place to live—it’s a true Florida lifestyle opportunity. Don’t miss your chance to own a beautiful waterfront home in one of St.
Cloud’s most sought-after communities!
Description provided by ELITE REALTY ENTERPRISES LLC and reproduced from the MLS; not independently verified.
Listing courtesy of ELITE REALTY ENTERPRISES LLC · Listing agent: Ernesto Cisneros · 407-683-4515Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$486,000
Bed / bath4 / 2
Living area1,910 sq ft
Year built2024
Property typeSingle Family Residence
GarageYes
MLS #O6448436
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~75 ft
CountyOsceola
Area listings19 active · 1 under contract
Estimated first-year tax~$6,650/yr
CDD assessmentNone on record
HOA$110/mo
Calculated estimates
Price per sq ft$254
Estimated monthly payment$3,491
Insurance (illustrative)$1k–$2k/yr
Messtimate range$353,350 – $450,760
Comparable-sales median$540,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,491/mo
Principal & interest $2,692/mo77%
Taxes $554/mo16%
Insurance $134/mo4%
HOA $110/mo3%
$3,491/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Osceola County rate (15.23 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $5,025/yr ($419/mo) — taxable value $329,778 × 15.23 mills
$1,625 more each year
(+32%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$380,500
Market value
$380,500
Assessed
$329,778
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 2699 Nottel Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $5,025/yr (certified county roll, taxable value × millage). Buy at the asking price of $486,000 and the first-year bill resets to about $6,650/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.23 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$110/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $809/month (tax $554, HOA $110, insurance $145). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$110/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~75 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · HANOVER LAKES PH 2
Pricing & the HANOVER LAKES PH 2 market
How this home is priced against recent nearby sales, and where HANOVER LAKES PH 2 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in HANOVER LAKES PH 2
Each dot is a closed sale since 2021 (113 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $254/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2024BuiltPer public record
About Oct 2026Listed (per MLS)MLS reports 1 cumulative days on market as of October 14, 2026
Oct 12, 2026First seen on movewithmomentum.comObserved at $486,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $486,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$450,000
5040 BESSIE COURT, ST CLOUD
4 / 2 bd/ba · 1,910 sq ft · $236/sq ft
Courtesy of FLORIDA REALTY RESULTS LLC · View details →
Sold Sep 2026
$450,000
5040 BESSIE COURT, ST CLOUD
4 / 2 bd/ba · 1,910 sq ft · $236/sq ft
Courtesy of FLORIDA REALTY RESULTS LLC · View details →
Sold Apr 2026
$350,000
2813 MOSSHIRE CIRCLE, ST CLOUD
3 / 2 bd/ba · 1,902 sq ft · $184/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Mar 2026
$392,400
4751 MEADOW DRIVE, ST CLOUD
4 / 2 bd/ba · 1,900 sq ft · $207/sq ft
Courtesy of LA ROSA REALTY LLC · View details →
Sold Sep 2026
$610,000
3430 WESTSHORE DRIVE, ST CLOUD
3 / 2 bd/ba · 1,924 sq ft · $317/sq ft
Courtesy of FLORIDA REALTY RESULTS LLC · View details →
Sold Jul 2026
$350,000
2813 SHELBURNE WAY, ST CLOUD
3 / 2 bd/ba · 1,894 sq ft · $185/sq ft
Courtesy of FLORIDA PINES REALTY, LLC · View details →
Median of these 6 sales: $540,000 ($186/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$362,800the mess$456,600
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $486,000 ($254/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 26% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
Carrying costs & concessions — this home carries HOA dues of $110/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: 1 days on market vs. a 100-day community median
21 active listings competing, 1 under contract
≈12.0 months of supply
12 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (2 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $254/sq ft vs the community 12-month median $186/sq ft.
Affordability67
List price $486,000 vs the community median $540,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~75 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity15
Community median 100 days on market, ~12.0 months of supply (12-month record).
Pricing power65
Recent sales closed at about 95.0% of original asking (~5.0% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 1 days on market for this home, against a 100-day area median.Days on market:this home 1Area median: 100 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. As of August 10, 2026.
🟡 Asking $254 per square foot, about 37% above the community’s $186 median. HANOVER LAKES PH 2’s 12-month median sold price per square foot is $186. Median sold price per square foot is up 8.0% year over year. Confidence: Medium · 15 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
72% of homes in HANOVER LAKES PH 2 are owner-occupied. An estimated 28% are non-owner-occupied, including 6% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 420 homes matched. Community-level context.
Recent HANOVER LAKES PH 2 sales closed near 95.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 19 active listings in HANOVER LAKES PH 2, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 2699 NOTTEL DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by ELITE REALTY ENTERPRISES LLC · MLS # O6448436
Request a showing
Keep looking
Similar homes for sale near HANOVER LAKES PH 5
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote
Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.
Why it matters: The approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 9 miles northwest of Hanover Lakes.
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
Why it matters: If built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The site is about 11 miles northeast of Hanover Lakes.
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
Why it matters: New downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The site is about 5 miles southeast of Hanover Lakes.
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
Why it matters: A new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 7 miles northeast of Hanover Lakes.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Hickory Tree ElemAssigned elementary school · Osceola County School District · Grade A (Florida DOE 2025-26)
GRADEA
Harmony MiddleAssigned middle school · Osceola County School District · Grade A (Florida DOE 2025-26)
GRADEB
Harmony HighAssigned high school · Osceola County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
City
ST CLOUD
Groceries, dining, and parks for this city — see the city guide.
Items worth confirming for 2699 Nottel Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $110/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,910 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,625 more per year than the current owner’s estimated bill (+32%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 14, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of August 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 2699 Nottel Drive and when was it built?
Per the listing record, 2699 Nottel Drive was built in 2024 and has 1,910 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2699 Nottel Drive in?
2699 Nottel Drive is in Hanover Lakes Ph 5 in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2699 Nottel Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $110 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 2699 Nottel Drive differ from the current owner's?
The estimate on this page (about $6,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,625 more per year than the current owner’s estimated bill (+32%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 2699 Nottel Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 2699 NOTTEL DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
