2938 SCARLETT DRIVE, ST CLOUD, FL, 34772
Active4 days on marketListed Sep 16, 2026MLS #O6442370
About this home
2938 SCARLETT DRIVE
Welcome to 2938 Scarlett Dr, a beautiful 4-bedroom, 3-bath single-family home built in 2021 and located in the desirable Saint Cloud area. With 1,854 sq. ft. of living space, this home features a bright and functional layout designed for comfortable everyday living and entertaining. The spacious open-concept living areas create a welcoming atmosphere, while the well-designed floor plan provides privacy and flexibility for family, guests, or a home office. The generous 8,712 sq. ft. lot provides plenty of outdoor space to enjoy Florida living. Built in 2021, this newer home provides modern construction and contemporary comfort without the concerns typically associated with older properties. Conveniently located near schools, shopping, dining, parks, major roads, and all that Saint Cloud has. Whether you're looking for a primary residence or an investment property, this home presents an excellent opportunity to own a newer property in a growing Central Florida community.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,854
Sqft
0.2 ac
Lot size
2
Garage
2021
Year built
One
Levels
$232
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,286 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,286/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.6%
$/sqft vs St Cloud actives
$232 vs $217
Days on market
4 vs 47 typical
Where $232/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2938 SCARLETT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$280,000
6002 35TH LANE E · same community
3 bd · 2 ba · 1,719 sqft · $163/sqft · 0 DOM
Sold · Nov ’25$393,000
6032 36TH COURT E · same community
4 bd · 2.5 ba · 2,080 sqft · $189/sqft · 137 DOM
Sold · Apr ’26$432,000
6106 34TH COURT E · same community
4 bd · 3 ba · 2,289 sqft · $189/sqft · 122 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2938 SCARLETT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2938 SCARLETT DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2938 SCARLETT DRIVE FAQs
What would the monthly payment be for 2938 SCARLETT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,286/mo — principal and interest, the actual property-tax bill, the $77/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2938 SCARLETT DRIVE?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2938 SCARLETT DRIVE?+
The most recent tax bill on record (2025) was $3,926. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2938 SCARLETT DRIVE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $430,000, this home is priced right at the St Cloud median.
Which schools are assigned to 2938 SCARLETT DRIVE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FORTEX REALTY INC · Giovanni Hernandez. MLS #O6442370.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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