Osceola County property record for 3639 Scarlet Oak Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,846 sqft · built 2020 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,990 (Jun 2020) |
| Tax Bill | $3,853 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 032730063800010340 |
| Primary APN | 032730063800010340 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,846 sqft Heated Area |
| Gross Area | 2,395 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3639 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 34 |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 03 |
| Legal Subdivision | SAVANNA |
| Legal Tract | 638 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43209 |
3639 Scarlet Oak Dr is owned and occupied by an individual who bought it in June 2020.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3639 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2020 · Amount on File |
| Deed Sale | Jun 23, 2020 · Amount on File |
| Deed Document Number | 2020080325 |
| Deed Book / Page | 5741 / 2786 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3639 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Title Company | NATIONS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 3639 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0065350077 |
|---|---|
| Date | Jan 17, 2024 |
| Book Page | 6535/77 |
| Instrument | 2024006570 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3639 Scarlet Oak Dr was $3,853 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,853.00 Homeowner's exemption | $258,164 | $326,400 Land $68,200 Building $258,200 |
| 2023 | $3,627.00 (+3.57%) Homeowner's exemption | $243,582 (+3%) | $290,600 (+16.1%) Land $57,800 Building $232,800 |
| 2022 | $3,502.00 Homeowner's exemption | $236,488 | $250,300 Land $52,500 Building $197,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3639 Scarlet Oak Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2011.
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 |
|---|---|
| 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 |
|
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 risk around 3639 Scarlet Oak Dr is high, ranking above 87% 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 87% of the US · above 79% 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures