Osceola County property record for 3652 Scarlet Oak Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,676 sqft · built 2020 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $253,990 (Mar 2020) |
| Tax Bill | $3,624 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-27-30-0638-0001-0530 |
| Primary APN | 03-27-30-0638-0001-0530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,676 sqft Living Area |
| Gross Area | 2,262 sqft |
| 1st Floor Area | 1,676 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3652 SCARLET OAK DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAVANNA PB 28 PGS 84-85 LOT 53 |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 03 |
| Legal Subdivision | SAVANNA |
| Legal Lot Number | 53 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43209 |
Source: Osceola County records, as of October 7, 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 Record |
|---|---|
| Mailing Address | 3652 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2020 · Amount on Record |
| Deed Sale | Mar 3, 2020 · Amount on Record |
| Deed Document Number | 202037 |
| Deed Book / Page | 5684 / 762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 22, 2026 |
| Property Address | 3652 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498 |
| Document Number | 0000121910 |
| Book / Page | 7037 / 1019 |
| Instrument Date | Sep 5, 2026 |
| Instrument | 2026121910 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3652 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498 |
| Document Number | 0000121910, |
|---|---|
| Date | Sep 22, 2026 |
| Book Page | 7037/1019 |
| Instrument | 2026121910 |
| Name | MIDFLORIDA CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 15, 2046 |
| Max Rate | -1% |
|---|
Source: Osceola County assessment roll, as of November 26, 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 | $3,624.00 (+6.28%) Homeowner's exemption | $245,346 (+5.99%) | $310,200 (+12.35%) Land $65,000 Building $245,200 |
| 2023 | $3,410.00 (+3.62%) Homeowner's exemption | $231,488 (+3%) | $276,100 (+16.06%) Land $55,000 Building $221,100 |
| 2022 | $3,291.00 Homeowner's exemption | $224,746 | $237,900 Land $50,000 Building $187,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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.
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