2918 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2918 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$282,663 (Jun 2021)
Tax Bill	$3,195 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631446600010390`

Property Details

APN / Parcel Number

Primary APN	`202631446600010390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Heated Area
Gross Area	2,003 sqft
Flooring	Tile
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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2918 SCARLETT DR
City	SAINT CLOUD
State	FL
Zip	34772-7686
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLEY PLACE PB 28 PGS 5-8 LOT 39
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Tract	4466
Legal Lot Number	39
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
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	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMETAP EQUITY PARTNERS LLC
Dec 20, 2022	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Jun 4, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	2021087031
Deed Book / Page	5973 / 1944
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064932361
Date	Oct 23, 2023
Book Page	6493/2361
Instrument	2023139222

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Type	Stand-Alone Second Mortgage

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0063322230
Date	Dec 20, 2022
Book Page	6332/2230
Instrument	2022181938

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	AUSTIN, TX 78717

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jun 1, 2051

June 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2021
Property Address	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0059731944
Book / Page	5973 / 1944
Map Reference	MB 28 PG 5-8
Instrument Date	May 28, 2021
Instrument	2021087031
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,978.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 TAVISTOCK LAKES BLVD STE 200, 200, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2918 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0059731946
Date	Jun 4, 2021
Instrument	5973/1946

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,195.00 (+7.29%) Homeowner's exemption	$221,406 (+5.99%)	$287,800 (+37.77%) Land $70,000 Building $217,800
2023	$2,978.00 (-4.21%) Homeowner's exemption	$208,900 (-5.65%) Land $55,000 Building $153,900	$208,900 (-5.65%) Land $55,000 Building $153,900
2022	$3,109.00 Homeowner's exemption	$221,400 Land $55,000 Building $166,400	$221,400 Land $55,000 Building $166,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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