Osceola County property record for 3695 Scarlet Oak Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,490 sqft · built 2020 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,990 (Sep 2020) |
| Tax Bill | $3,042 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 032730063800010110 |
| Primary APN | 032730063800010110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,490 sqft Heated Area |
| Gross Area | 1,900 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3695 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 11 |
| Legal Subdivision | SAVANNA |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 43209 |
3695 Scarlet Oak Dr is owned and occupied by an individual who bought it in September 2020.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3695 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2020 · Amount on File |
| Deed Sale | Sep 18, 2020 · Amount on File |
| Deed Document Number | 2020125039 |
| Deed Book / Page | 5796 / 262 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 18, 2020 |
| Property Address | 3695 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0057960262 |
| Book / Page | 5796 / 262 |
| Map Reference | MB 28 PG 84&85 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 2020125039 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,848.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 3695 SCARLET OAK DR, SAINT CLOUD, FL 34772-7491 |
| Document Number | 0005796263 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 5796/263 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 3695 Scarlet Oak Dr was $3,042 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 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 | $3,042.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $229,491 | $289,400 Land $65,000 Building $224,400 |
| 2023 | $2,842.00 (+4.1%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $216,529 (+3%) | $257,400 (+15.89%) Land $55,000 Building $202,400 |
| 2022 | $2,730.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $210,223 | $222,100 Land $50,000 Building $172,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3695 Scarlet Oak Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 3695 Scarlet Oak Dr is high, ranking above 80% 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 80% of the US · above 70% 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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