2964 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2964 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,185 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$291,841 (Jul 2020)
Tax Bill	$4,052 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202631446600010160`

Property Details

APN / Parcel Number

Primary APN	`202631446600010160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,185 sqft Heated Area
Gross Area	2,845 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
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	2964 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 16
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Tract	4466
Legal Lot Number	16
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
Co-owner	Co-owner on Record
Mailing Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Aug 25, 2022	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Oct 8, 2021	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Jul 21, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	2020094705
Deed Book / Page	5758 / 1478
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Dec 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0065062901
Date	Nov 17, 2023
Book Page	6506/2901
Instrument	2023151931

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	AUSTIN, TX 78726

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Sep 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0062742126
Date	Aug 25, 2022
Book Page	6274/2126
Instrument	2022130071

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0060620180
Date	Oct 8, 2021
Book Page	6062/180
Instrument	2021157321

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Aug 1, 2050

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 21, 2020
Property Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0057581478
Book / Page	5758 / 1478
Map Reference	MB 28 PG 5-8
Instrument Date	Jul 20, 2020
Instrument	2020094705
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,043.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2964 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0057581480
Date	Jul 21, 2020
Instrument	5758/1480

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$4,052.00 (+12.27%) Homeowner's exemption	$269,296 (+5.99%)	$362,400 (+38%) Land $70,000 Building $292,400
2023	$3,609.00 (+4.22%) Homeowner's exemption	$254,085 (+3%)	$262,600 (-5.88%) Land $55,000 Building $207,600
2022	$3,463.00 Homeowner's exemption	$246,685	$279,000 Land $55,000 Building $224,000

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
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 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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