2944 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2944 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,068 sqft · built 2021
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Jun 2026)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4466-0001-0260`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4466-0001-0260`
Alternative APN	`263120446600010260`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,068 sqft Living Area
Gross Area	3,756 sqft
1st Floor Area	1,468 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2944 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 26
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Lot Number	26
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 June 16, 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
Mailing Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Jun 9, 2026	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Oct 6, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	202675936
Deed Book / Page	6985 / 1332
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2026
Property Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0069851332
Book / Page	6985 / 1332
Instrument Date	Jun 1, 2026
Instrument	202675936
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0000075937,
Date	Jun 9, 2026
Instrument	202675937

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2026
Property Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0000075936
Book / Page	6985 / 1332
Instrument Date	Jun 1, 2026
Instrument	202675936
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353,500.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0000075937,
Date	Jun 9, 2026
Instrument	202675937

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2021
Property Address	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0060592828
Book / Page	6059 / 2828
Map Reference	MB 28 PG 5-8
Instrument Date	Sep 30, 2021
Instrument	2021155503
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
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	$2,562.70
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	2944 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0060592830
Date	Oct 6, 2021
Instrument	6059/2830

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4.00 (-99.88%) Homeowner's exemption Veteran's exemption	$248,186 (+5.99%)	$413,600 (+38.05%) Land $70,000 Building $343,600
2023	$3,261.00 (+5.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,167 (+4.07%)	$299,600 (-5.37%) Land $55,000 Building $244,600
2022	$3,090.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$225,017	$316,600 Land $55,000 Building $261,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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