Osceola County property record for 3663 Scarlet Oak Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,594 sqft · built 2020 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,990 (Oct 2020) |
| Tax Bill | $6,875 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-27-30-0638-0001-0460 |
| Primary APN | 03-27-30-0638-0001-0460 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,594 sqft Living Area |
| Gross Area | 3,104 sqft |
| 1st Floor Area | 1,066 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3663 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 46 |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 03 |
| Legal Subdivision | SAVANNA |
| Legal Lot Number | 46 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43209 |
3663 Scarlet Oak Dr is owned and occupied by two individuals who bought it in October 2020.
Source: Osceola County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3663 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.
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Jan 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2020 · Amount on File |
| Deed Sale | Oct 20, 2020 · Amount on File |
| Deed Document Number | 2020141445 |
| Deed Book / Page | 5815 / 2774 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 8, 2026 |
| Property Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0000116633 |
| Book / Page | 7031 / 2216 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 2026116633 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0000116633, |
|---|---|
| Date | Sep 8, 2026 |
| Book Page | 7031/2216 |
| Instrument | 2026116633 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 290 Months |
| Due | Nov 1, 2050 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0065332345 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | 6533/2345 |
| Instrument | 2024005532 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 322 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3663 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0064240864 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 6424/864 |
| Instrument | 2023076676 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 329 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 3663 Scarlet Oak Dr was $6,875.
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 | $6,875.00 | $383,900 Land $65,000 Building $318,900 | $383,900 Land $65,000 Building $318,900 |
| 2023 | $5,942.00 (+11.84%) | $342,600 (+16.29%) Land $55,000 Building $287,600 | $342,600 (+16.29%) Land $55,000 Building $287,600 |
| 2022 | $5,313.00 | $294,600 Land $50,000 Building $244,600 | $294,600 Land $50,000 Building $244,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3663 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 3663 Scarlet Oak Dr is high, ranking above 78% of the US, with a 0.5% annual chance of 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.
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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