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2912 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2912 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,381 sqft · built 2022
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on Record
Last Sale$349,932 (Feb 2022)
Tax Bill$4,559 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202631446600010420

Property Details

APN / Parcel Number

Primary APN202631446600010420

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,381 sqft Heated Area
Gross Area3,031 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2912 SCARLETT DR
CitySAINT CLOUD
StateFL
Zip34772-7686
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOAKLEY PLACE PB 28 PGS 5-8 LOT 42
Legal Range31E
Legal Township26S
Legal Section20
Legal SubdivisionOAKLEY PLACE
Legal Tract4466
Legal Lot Number42
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1042
Census Tract43301

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2912 SCARLETT DR, SAINT CLOUD, FL 34772-7686
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 3, 2022 · Amount on Record
Deed SaleFeb 3, 2022 · Amount on Record
Deed Document Number2022018507
Deed Book / Page6143 / 314
Record UpdatedJun 8, 2026

February 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 3, 2022
Property Address2912 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number0061430314
Book / Page6143 / 314
Map ReferenceMB 28 PG 5-8
Instrument DateJan 27, 2022
Instrument2022018507
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 22, 2024
Title CompanyGOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

NameVerified Name
Address2912 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number0006143316
DateFeb 3, 2022
Instrument6143/316
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,559.00 (+14.49%) Homeowner's exemption$297,611 (+5.99%)$387,700 (+38.07%) Land $73,500 Building $314,200
2023$3,982.00 (+191.29%) Homeowner's exemption$280,800 (+385.81%) Land $57,800 Building $223,000$280,800 (+385.81%) Land $57,800 Building $223,000
2022$1,367.00$57,800 Land $57,800$57,800 Land $57,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 173 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 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 RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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