2986 Scarlett Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2986 Scarlett Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2019
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$271,167 (Nov 2019)
Tax Bill	$3,628 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4466-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4466-0001-0050`
Alternative APN	`263120446600010050`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,854 sqft
Flooring	Carpet
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	6,098 sqft (0.14 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	2986 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 5
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	OAKLEY PLACE
Legal Lot Number	5
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 April 8, 2026

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
Mailing Address	2986 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage LIBERTY 1 LENDING INC
Nov 5, 2019	Special Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2019 · Amount on Record
Deed Sale	Nov 5, 2019 · Amount on Record
Deed Document Number	2019143494
Deed Book / Page	5618 / 1339
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2986 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0069450843
Date	Mar 27, 2026
Book Page	6945/843
Instrument	2026041226

Lender

Name	LIBERTY 1 LENDING INC
Type	Mortgage Company
Address	LIVONIA, MI 48150

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 5, 2019
Property Address	2986 SCARLETT DR, SAINT CLOUD, FL 34772-7686
Document Number	0056181339
Book / Page	5618 / 1339
Map Reference	MB 28 PG 5-8
Instrument Date	Oct 31, 2019
Instrument	2019143494
Transaction Type	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	$1,898.40
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	2986 SCARLETT DR, SAINT CLOUD, FL 34772-7686

Mortgage

Document Number	0056181341
Date	Nov 5, 2019
Book Page	5618/1341
Instrument	2019143495

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

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	$3,628.00 (+7.69%) Homeowner's exemption	$245,588 (+5.99%)	$337,100 (+37.54%) Land $70,000 Building $267,100
2024	$3,369.00 (+2.21%)
2023	$3,296.00 (+4.34%) Homeowner's exemption	$231,716 (+3%)	$245,100 (-5.73%) Land $55,000 Building $190,100
2022	$3,159.00 Homeowner's exemption	$224,967	$260,000 Land $55,000 Building $205,000

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
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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