2940 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2940 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,021 sqft · built 2022
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Feb 2026)
Tax Bill	$5,637 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631446600010280`

Property Details

APN / Parcel Number

Primary APN	`202631446600010280`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,021 sqft Heated Area
Gross Area	3,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2940 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 28
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Tract	4466
Legal Lot Number	28
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 March 20, 2026

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
Co-owner	Co-owner on Record
Mailing Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Feb 20, 2026	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 6, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	2026024724
Deed Book / Page	6927 / 107
Record Updated	Jun 8, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0068121478
Date	Jul 1, 2025
Book Page	6812/1478
Instrument	2025082314

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jun 30, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2026
Property Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0069270107
Book / Page	6927 / 107
Map Reference	MB 28 PG 5-8
Instrument Date	Feb 13, 2026
Instrument	2026024724
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1821 BLUE STAR LN, LOUISVILLE, CO 80027-2369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0006927109
Date	Feb 20, 2026
Instrument	6927/109

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

April 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2022
Property Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0061881161
Book / Page	6188 / 1161
Map Reference	MB 28 PG 5-8
Instrument Date	Mar 31, 2022
Instrument	2022054552
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,738.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2940 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0061881163
Date	Apr 6, 2022
Instrument	6188/1163

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

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	$5,637.00 (+18.05%) Homeowner's exemption	$357,812 (+5.99%)	$467,100 (+38.36%) Land $70,000 Building $397,100
2023	$4,775.00 (+259.29%) Homeowner's exemption	$337,600 (+513.82%) Land $55,000 Building $282,600	$337,600 (+513.82%) Land $55,000 Building $282,600
2022	$1,329.00	$55,000 Land $55,000	$55,000 Land $55,000

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 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 61% of the US · lower than 64% 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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