3654 Scarlet Oak Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3654 Scarlet Oak Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2020
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$263,990 (Apr 2020)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032730063800010520`

Property Details

APN / Parcel Number

Primary APN	`032730063800010520`

Interior

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

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3654 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 52
Legal Range	30E
Legal Township	27S
Legal Section	03
Legal Subdivision	SAVANNA
Legal Tract	638
Legal Lot Number	52
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43209

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage MCCOY FCU
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage EQUITY PRIME MORTGAGE LLC
Apr 1, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on Record
Deed Sale	Apr 1, 2020 · Amount on Record
Deed Document Number	2020045440
Deed Book / Page	5701 / 2148
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498
Transaction Type	Mortgage
Record Updated	Jun 26, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498
Investor	Possibly a Property Investor

Mortgage

Document Number	0064230111
Date	Jun 12, 2023
Book Page	6423/111
Instrument	2023075482

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 8, 2043

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498

Mortgage

Document Number	0058560668
Date	Dec 22, 2020
Book Page	5856/668
Instrument	2020173707

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

April 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2020
Property Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498
Document Number	0057012148
Book / Page	5701 / 2148
Map Reference	MB 28 PG 84&85
Instrument Date	Mar 30, 2020
Instrument	2020045440
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,848.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

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
Address	3654 SCARLET OAK DR, SAINT CLOUD, FL 34772-7498

Mortgage

Document Number	0057012149
Date	Apr 1, 2020
Instrument	5701/2149

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4.00 (-99.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$302,972 (+25.36%)	$368,000 (+27.42%) Land $65,000 Building $303,000
2023	$3,503.00 (+3.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$241,673 (+3%)	$288,800 (+16.17%) Land $55,000 Building $233,800
2022	$3,379.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$234,634	$248,600 Land $50,000 Building $198,600

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

Flood

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	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

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.

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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