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Overview

3 bd2 ba1,676 sqft2 car garageSingle Family
TypeSingle Family
HOA$225/qtr
Built2020
Lot7,841 sqft
Living area1,676 sqft
Price / sqft$218
Garage2 car

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

About this home

Ceiling Fans(s)SidewalkDishwasherDisposalMicrowaveRangeRefrigerator

3653 Scarlet Oak Dr is a 2020-built home in Savanna, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,676 square feet of living space. Listed at $364,900 (about $218/sqft), 96 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $225 quarterly.

From the listing

This 3-bedroom, 2-bathroom home perfectly blends value and a prime location. Its open-concept layout features a kitchen facing the dining and living spaces, creating an ideal setup for family get-togethers. Notable details include 18x18 ceramic tiling in wet zones and stainless-steel kitchen appliances. The neighborhood offers large homesites, open green spaces, and conservation views. Commuting is easy with fast access to the Florida Turnpike, the airport, and Lake Nona/Medical City. You can host guests at home or visit Lakeshore Park to enjoy its marina, picnic areas, splash pad, and beachfront playground. Do not pass up this chance to buy an affordable property. This one is priced to be sold fast! * Information recorded in the MLS is intended to be accurate, but NOT GUARANTEED. HOA fees and regulations, home square footage, room sizes, and lot size should be independently verified.

The essentials

Built
2020
Price / sqft
$218
On market
96 days
Annual tax
$3,624
HOA
$225/qtr
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
2 car garage
Driveway
7,841 sqft lot
Lot size
1,676 sqft
Living area

Payment

Est. monthly payment
$2,462/mo
Down payment (20%)
$72,980
Property taxes
$302/mo
HOA
$225/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
7,841 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
96
Ceiling Fans(s)
Sidewalk
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Canoe Creek K-8
Middle
Harmony Middle
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,624
Parcel #
03-27-30-0638-0001-0410

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
7,841 sqft
HOA
$225/qtr
Access Residential Management

Price history

Date
Event
Price
8/5/2026
Price change
Source: Stellar MLS #S5153741
$364,900-0.8%
$218/sqft
7/14/2026
Listed for sale
Source: Stellar MLS #S5153741
$368,000
$220/sqft

Neighborhood

3653 Scarlet Oak Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $364,900
$362,500 – $364,900
99.5% – 100% of listTops out right at the list price
80% of listList price
244 of the last 394 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 96 after a $3,100 cut.

Sample: 394 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
$2,463/mo
Principal & interest$1,903
Property taxes$302
Insurance$182
HOA$75
Down payment20% · $72,980
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

$364,900

$218 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,676 sq ft

Time on market

96 days

Year built

2020

Monthly payment

About $2,462/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,624 annual tax bill, insurance, and the $225/qtr HOA fee.

HOA fee

$225/qtr

Managed by Access Residential Management.

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 byTOP SAVING REALTYListing agent: Sonya DietschListing data from Stellar MLS, MLS# S5153741.

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