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3677 Scarlet Oak Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3677 Scarlet Oak Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,846 sqft · built 2020
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$277,990 (Jan 2021)
Tax Bill$5,788 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN032730063800010020

Property Details

APN / Parcel Number

Primary APN032730063800010020

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,846 sqft Heated Area
Gross Area2,395 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3677 SCARLET OAK DR
CitySAINT CLOUD
StateFL
Zip34772-7491
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAVANNA PB 28 PGS 84-85 LOT 2
Legal Range30E
Legal Township27S
Legal Section03
Legal SubdivisionSAVANNA
Legal Tract638
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1021
Census Tract43209

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3677 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 15, 2021 · Amount on Record
Deed SaleJan 15, 2021 · Amount on Record
Deed Document Number2021007215
Deed Book / Page5871 / 2614
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 15, 2021
Property Address3677 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491
Document Number0058712614
Book / Page5871 / 2614
Map ReferenceMB 28 PG 84&85
Instrument DateJan 14, 2021
Instrument2021007215
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyDHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,946.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3677 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491

Mortgage

Document Number0058712615
DateJan 15, 2021
Instrument5871/2615
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,788.00 (+15.85%)$323,200 (+12.3%) Land $65,000 Building $258,200$323,200 (+12.3%) Land $65,000 Building $258,200
2023$4,996.00 (+11.79%)$287,800 (+16.14%) Land $55,000 Building $232,800$287,800 (+16.14%) Land $55,000 Building $232,800
2022$4,469.00$247,800 Land $50,000 Building $197,800$247,800 Land $50,000 Building $197,800

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 136 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 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 RiskHigh
above 80% of the US · above 70% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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