2965 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2965 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Jun 2023)
Tax Bill	$5,309 (2025)
Deeds & Mortgages	Jun 2023 Sale Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631446600010600`

Property Details

APN / Parcel Number

Primary APN	`202631446600010600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,385 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2965 SCARLETT DR
City	SAINT CLOUD
State	FL
Zip	34772-7687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKLEY PLACE PB 28 PGS 5-8 LOT 60
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Tract	4466
Legal Lot Number	60
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	2965 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Warranty Deed, Transfer UNIK TITLE LLC
Sep 29, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on Record
Deed Sale	Jun 15, 2023 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	2023078090
Deed Book / Page	6425 / 2991
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 15, 2023
Property Address	2965 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Document Number	0064252991
Book / Page	6425 / 2991
Map Reference	MB 28 PG 5-8
Instrument Date	Jun 14, 2023
Instrument	2023078090
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3074 LANDINGS CIR, ORLANDO, FL 32824-7431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 SCARLETT DR, SAINT CLOUD, FL 34772-7687

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2020
Property Address	2965 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Document Number	0058020989
Book / Page	5802 / 989
Map Reference	MB 78 PG 5-8
Instrument Date	Sep 28, 2020
Instrument	2020130378
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	$1,862.70
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	2965 SCARLETT DR, SAINT CLOUD, FL 34772-7687

Mortgage

Document Number	0005802991
Date	Sep 29, 2020
Instrument	5802/991

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$5,309.00 (+51.12%) Homeowner's exemption	$339,500 (+37.34%) Land $70,000 Building $269,500	$339,500 (+37.34%) Land $70,000 Building $269,500
2023	$3,513.00 (-4.56%) Homeowner's exemption	$247,200 (-5.76%) Land $55,000 Building $192,200	$247,200 (-5.76%) Land $55,000 Building $192,200
2022	$3,681.00 Homeowner's exemption	$262,300 Land $55,000 Building $207,300	$262,300 Land $55,000 Building $207,300

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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