2948 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2948 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,854 sqft · built 2021
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$290,800 (Mar 2021)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631446600010240`

Property Details

APN / Parcel Number

Primary APN	`202631446600010240`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,385 sqft
Flooring	Carpet
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	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2948 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 24
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Tract	4466
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

Owner

2948 Scarlett Dr is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2948 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Mar 25, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Deed Document Number	0059201197
Deed Book / Page	5920 / 1197
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2948 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2948 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0063122946
Date	Nov 8, 2022
Book Page	6312/2946
Instrument	2022164000

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2021
Property Address	2948 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0059201197
Book / Page	5920 / 1197
Map Reference	MB 28 PG 5-8
Instrument Date	Mar 25, 2021
Instrument	2021044741
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,035.60
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	2948 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0059201199
Date	Mar 25, 2021
Instrument	5920/1199

Lender

Name	FAIRWINDS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 2948 Scarlett Dr was $3,937 with a homeowner's exemption.

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	$3,937.00 Homeowner's exemption	$262,847	$341,000 Land $70,000 Building $271,000
2023	$3,524.00 (-4.65%) Homeowner's exemption	$248,000 (-5.85%) Land $55,000 Building $193,000	$248,000 (-5.85%) Land $55,000 Building $193,000
2022	$3,696.00 Homeowner's exemption	$263,400 Land $55,000 Building $208,400	$263,400 Land $55,000 Building $208,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2948 Scarlett Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2948 Scarlett Dr is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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