3645 Scarlet Oak Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3645 Scarlet Oak Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2020
Square Footage	1,676 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Garage	Finished
Occupancy	Owner Occupied
Tax Bill	$3,609.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`032730063800010370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,676 sqft Heated Area
Gross Area	2,262 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3645 SCARLET OAK DR
City	SAINT CLOUD
State	FL
Zip	34772-7491
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SAVANNA PB 28 PGS 84-85 LOT 37
Legal Subdivision	SAVANNA
Legal Lot Number	37
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1021
Census Tract	43209

Owner

Source: Osceola County records · APN 032730063800010370

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3645 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 10, 2023
Deed Sale	Jan 10, 2023
Deed Doc Number	0063442233
Deed Book / Page	5714 / 1450
Prior Transfer Date	Apr 28, 2020
Prior Transfer Doc	2020057441
Record Refreshed	Jun 08, 2026

April 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2020
Property Address	3645 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Document Number	0057141450
Book / Page	5714 / 1450
Map Reference	MB 28 PG 84&85
Instrument Date	Apr 03, 2020
Instrument	2020057441
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,778.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3645 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491

Mortgage

Document Number	0057141451
Date	Apr 28, 2020
Instrument	5714/1451

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,609.00 (+6.27%) Homeowner's exemption	$244,559 (+5.99%)	$309,100 (+12.32%) Land $65,000 Building $244,100
2023	$3,396.00 (+3.6%) Homeowner's exemption	$230,745 (+3%)	$275,200 (+16.07%) Land $55,000 Building $220,200
2022	$3,278.00 Homeowner's exemption	$224,025	$237,100 Land $50,000 Building $187,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 83% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 131 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.