2981 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2981 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,185 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$304,798 (Jan 2021)
Tax Bill	$4,284 (2025)
Deeds & Mortgages	Oct 2025 Transfer Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4466-0001-0680`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4466-0001-0680`
Alternative APN	`263120446600010680`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,185 sqft Living Area
Gross Area	2,845 sqft
1st Floor Area	1,407 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	452 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2981 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 68
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Lot Number	68
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

Owner

2981 Scarlett Dr is owned and occupied by two individuals who acquired it in October 2025.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 14, 2025	Intrafamily Transfer, Transfer
Jan 15, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Deed Document Number	20217294
Deed Book / Page	5871 / 2966
Last Transfer Date	Oct 14, 2025
Transfer Doc	0068641736
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 14, 2025
Property Address	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Document Number	0068641736
Book / Page	6864 / 1736
Map Reference	MB 28 PG 5-8
Instrument Date	Oct 14, 2025
Instrument	2025127440
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2021
Property Address	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687
Document Number	0058712966
Book / Page	5871 / 2966
Map Reference	MB 28 PG 5-8
Instrument Date	Jan 15, 2021
Instrument	2021007294
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	$2,133.60
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	2981 SCARLETT DR, SAINT CLOUD, FL 34772-7687

Mortgage

Document Number	0058712968
Date	Jan 15, 2021
Instrument	5871/2968

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2981 Scarlett Dr was $4,284, up 11% from the year before.

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	$4,284.00 (+10.98%)	$282,243 (+2.9%)	$366,700 (+0.25%) Land $70,000 Building $296,700
2024	$3,860.00 (+2.14%) Homeowner's exemption	$274,289 (+3%)	$365,800 (+37.36%) Land $70,000 Building $295,800
2023	$3,779.00 (-4.86%) Homeowner's exemption	$266,300 (-5.93%) Land $55,000 Building $211,300	$266,300 (-5.93%) Land $55,000 Building $211,300
2022	$3,972.00 Homeowner's exemption	$283,100 Land $55,000 Building $228,100	$283,100 Land $55,000 Building $228,100

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

Flood

FEMA maps place 2981 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 2981 Scarlett Dr is moderate, ranking above 57% 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 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.

Nearby Properties on Scarlett Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures