2980 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2980 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,854 sqft · built 2019
Lot Size	0.16 acres (6,969 sqft)
Owner	Company Name on Record
Last Sale	$335,000 (Jul 2021)
Tax Bill	$5,578 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4466-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4466-0001-0080`
Alternative APN	`263120446600010080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,854 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	468 sqft
Porch	Finished/Open Porch
Porch Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2980 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 8
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Lot Number	8
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	539 S CHICKASAW TRL, ORLANDO, FL 32825-7801
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Jul 16, 2021	Warranty Deed, Transfer HOMELAND TITLE SOURCE LLC
Dec 11, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Dec 11, 2019 · Amount on Record
Deed Document Number	2021111092
Deed Book / Page	6004 / 810
Last Transfer Date	Jun 13, 2025
Transfer Doc	0068100871
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2980 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0058092871
Date	Oct 9, 2020
Book Page	5809/2871
Instrument	2020136380

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2050

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2021
Property Address	2980 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0060040810
Book / Page	6004 / 810
Map Reference	MB 28 PG 5
Instrument Date	Jul 16, 2021
Instrument	2021111092
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	HOMELAND TITLE SOURCE LLC

Transaction

Amount	Amount Recorded
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5440 SAN GABRIEL WAY, 5440, ORLANDO, FL 32837-8714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801

December 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2019
Property Address	2980 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0056382224
Book / Page	5638 / 2224
Map Reference	MB 28 PG 5-8
Instrument Date	Dec 9, 2019
Instrument	2019160609
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	$1,809.50
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	2980 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0056382226
Date	Dec 11, 2019
Instrument	5638/2226

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$5,578.00 (+17.56%)	$339,800 (+37.29%) Land $70,000 Building $269,800	$339,800 (+37.29%) Land $70,000 Building $269,800
2024	$4,745.00 (+16.38%)
2023	$4,077.00 (-3.98%)	$247,500 (-5.75%) Land $55,000 Building $192,500	$247,500 (-5.75%) Land $55,000 Building $192,500
2022	$4,246.00	$262,600 Land $55,000 Building $207,600	$262,600 Land $55,000 Building $207,600

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
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 57% of the US · lower than 70% 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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