3618 Scarlet Oak Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3618 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	0.21 acres (9,147 sqft)
Owner	Individual Name on File
Last Sale	$255,990 (Sep 2020)
Tax Bill	$9,349 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-27-30-0638-0001-0690`

Property Details

APN / Parcel Number

Primary APN	`03-27-30-0638-0001-0690`
Alternative APN	`273003063800010690`

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	Carpet
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	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	380 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3618 SCARLET OAK DR
City	SAINT CLOUD
State	FL
Zip	34772-7492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNA PB 28 PGS 84-85 LOT 69
Legal Range	30E
Legal Township	27S
Legal Section	03
Legal Subdivision	SAVANNA
Legal Lot Number	69
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43209

Owner

3618 Scarlet Oak Dr is owned and occupied by an individual who bought it in September 2020.

Source: Osceola County records, as of July 22, 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	Individual Name on File
Mailing Address	3618 SCARLET OAK DR, SAINT CLOUD, FL 34772-7492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Sep 29, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage FBC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on File
Deed Sale	Sep 29, 2020 · Amount on File
Deed Document Number	2020129718
Deed Book / Page	5801 / 1116
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 10, 2026
Property Address	3618 SCARLET OAK DR, SAINT CLOUD, FL 34772-7492
Document Number	0000090879
Book / Page	7002 / 1615
Instrument Date	Jun 18, 2026
Instrument	202690879
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3618 SCARLET OAK DR, SAINT CLOUD, FL 34772-7492

Mortgage

Document Number	0000090879,
Date	Jul 10, 2026
Book Page	7002/1615
Instrument	202690879

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	291 Months
Due	Oct 1, 2050

Interest

Rate	6.51%
Max Rate	-1%

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2020
Property Address	3618 SCARLET OAK DR, SAINT CLOUD, FL 34772-7492
Document Number	0058011116
Book / Page	005801 / 001116
Instrument Date	Sep 22, 2020
Instrument	129718
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3618 SCARLET OAK DR ST CLOUD FL 347727492, ST CLOUD, FL 34772-7492

Mortgage

Document Number	58011117
Date	Sep 29, 2020
Book Page	005801/001117
Instrument	129719

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3618 Scarlet Oak Dr was $9,349 with a homeowner's exemption.

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	$9,349.00 Homeowner's exemption	$229,491	$289,400 Land $65,000 Building $224,400
2023	$3,140.00 (+3.66%) Homeowner's exemption	$216,529 (+3%)	$257,400 (+15.89%) Land $55,000 Building $202,400
2022	$3,029.00 Homeowner's exemption	$210,223	$222,100 Land $50,000 Building $172,100

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

Flood

FEMA maps place 3618 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 3618 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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