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Overview

3 bd2 ba1,412 sqft2 car garageSingle Family
TypeSingle Family
HOA$230/qtr
Built2020
Lot7,405 sqft
Living area1,412 sqft
Price / sqft$248
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Open FloorplanFire PitDishwasherMicrowaveRange

3676 Scarlet Oak Dr is a 2020-built home in Savanna, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,412 square feet of living space. Listed at $350,000 (about $248/sqft), 164 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $230 quarterly.

From the listing

Welcome to 3676 Scarlett Oak, a beautifully upgraded 3-bedroom, 2-bathroom home that blends modern elegance with everyday comfort. This thoughtfully designed residence features an open-concept floor plan filled with natural light, creating a warm yet sophisticated atmosphere. At the heart of the home is a luxury kitchen, showcasing high-end finishes, stylish cabinetry, and a seamless flow into the living and dining areas—perfect for both entertaining and daily living. The spacious primary suite offers a private retreat with a well-appointed bathroom and generous closet space. Additional bedrooms are comfortably sized, ideal for family, guests, or a home office. Step outside to your own backyard oasis, complete with a paver patio and fire pit, creating the perfect setting for relaxing evenings or entertaining under the stars. The large yard offers plenty of space to enjoy the outdoors, while included landscaping ensures low-maintenance living. Additional features include a 2-car garage and a prime location with convenient access to shopping, dining, and major roadways. This move-in ready home delivers style, comfort, and outdoor living at its finest—schedule your private showing today!

The essentials

Built
2020
Price / sqft
$248
On market
164 days
Annual tax
$3,324
HOA
$230/qtr
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
2 car garage
7,405 sqft lot
Lot size
1,412 sqft
Living area

Payment

Est. monthly payment
$2,354/mo
Down payment (20%)
$70,000
Property taxes
$277/mo
HOA
$230/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
7,405 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
164
Open Floorplan
Fire Pit
Dishwasher
Microwave
Range
Flood Zone X
Annual Tax (2025)
$3,324
Parcel #
03-27-30-0638-0001-0760

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Savanna
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
HOA
$230/qtr
Savana of Saint Cloud Homeowners

Price history

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #O6404707
$350,000-2.8%
$248/sqft
-
Price change
Source: Stellar MLS #O6404707
$360,000-13.3%
$255/sqft
5/4/2026
Listed for sale
Source: Stellar MLS #O6404707
$415,000
$294/sqft

Neighborhood

3676 Scarlet Oak Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $350,000
$347,500 – $350,000
99.5% – 100% of listTops out right at the list price
80% of listList price
237 of the last 383 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 164 after a $65,000 cut.

Sample: 383 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,354/mo
Principal & interest$1,825
Property taxes$277
Insurance$175
HOA$77
Down payment20% · $70,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$350,000

$248 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,412 sq ft

Time on market

164 days

Year built

2020

Monthly payment

About $2,354/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,324 annual tax bill, insurance, and the $230/qtr HOA fee.

HOA fee

$230/qtr

Managed by Savana of Saint Cloud Homeowners.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Ray Al MaltListing data from Stellar MLS, MLS# O6404707.

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