3609 Scarlet Oak Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3609 Scarlet Oak Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,490 sqft · built 2020
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$257,990 (Aug 2020)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Nov 2020 Transfer Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-27-30-0638-0001-0190`

Property Details

APN / Parcel Number

Primary APN	`03-27-30-0638-0001-0190`
Alternative APN	`273003063800010190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	1,900 sqft
1st Floor Area	1,490 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	380 sqft
Porch	Florida Room
Patio Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3609 SCARLET OAK DR
City	SAINT CLOUD
State	FL
Zip	34772-7491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNA PB 28 PGS 84-85 LOT 19
Legal Range	30E
Legal Township	27S
Legal Section	03
Legal Subdivision	SAVANNA
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43209

Owner

3609 Scarlet Oak Dr is owned and occupied by two individuals who acquired it in November 2020.

Source: Osceola County records, as of March 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3609 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 20, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Deed Document Number	2020109879
Deed Book / Page	5777 / 2259
Last Transfer Date	Nov 7, 2020
Transfer Doc	0058321812
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2020
Property Address	3609 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Document Number	0058321812
Book / Page	005832 / 001812
Instrument Date	Nov 7, 2020
Instrument	155747
Transaction Type	Transfer
Record Updated	Apr 16, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3609 SCARLET OAK DR ST CLOUD FL 347727491, ST CLOUD, FL 34772-7491

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 20, 2020
Property Address	3609 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Document Number	0057772259
Book / Page	5777 / 2259
Map Reference	MB 28 PG 84&85
Instrument Date	Aug 17, 2020
Instrument	2020109879
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD # 100, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491

Mortgage

Document Number	0057772260
Date	Aug 20, 2020
Instrument	5777/2260

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Scarlet Oak Dr was $2,321 with a homeowner's exemption, up 3.7% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,321.00 (+3.71%) Homeowner's exemption	$172,598	$303,100 Land $66,300 Building $236,800
2024	$2,238.00 (+2.99%)
2023	$2,173.00 (+3.97%) Homeowner's exemption	$162,849 (+3%)	$270,300 (+15.56%) Land $56,100 Building $214,200
2022	$2,090.00 Homeowner's exemption	$158,106	$233,900 Land $51,000 Building $182,900

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

Flood

FEMA maps place 3609 Scarlet Oak 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 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 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 3609 Scarlet Oak Dr is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	0.8% 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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