2968 SCARLETT DRIVE, ST CLOUD, FL, 34772
Active4 days on marketListed Nov 3, 2026MLS #S5160669
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About this home
2968 SCARLETT DRIVE
Discover the convenience and appeal of Central Florida living at 2968 Scarlett Drive in the Oakley Place community of St. Cloud! Built in 2019, this home offers an opportunity to enjoy a location that keeps everyday conveniences, shopping, dining, and entertainment within reach. Situated in Osceola County, the property provides convenient access to the surrounding St. Cloud and Lake Nona areas, two areas experiencing continued growth and development. One of the exciting highlights of this location is its proximity to Lake Nona's Medical City and Orlando International Airport (MCO). Just a short drive away, the highly anticipated Lake Nona West, a new shopping and lifestyle destination, is bringing an exciting collection of retail, shopping, dining, and wellness experiences to the area. This new destination adds even more appeal to an already growing region. Major roadways, including SR 417, Florida's Turnpike, and US-192, provide convenient connections to Orlando, Kissimmee, and other surrounding Central Florida destinations. Whether commuting to work, traveling, enjoying a night out, or exploring the area's growing selection of shopping and dining destinations, this location offers plenty of convenience. With the continued expansion of Lake Nona and the addition of exciting new destinations like Lake Nona West, Oakley Place is an appealing place to enjoy the accessibility and evolving lifestyle of Central Florida. Come discover all that the St. Cloud area has to offer and make 2968 Scarlett Drive your next place to call home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,699
Sqft
0.14 ac
Lot size
2019
Year built
One
Levels
$227
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.
$3,343 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,343/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+14.9%
$/sqft vs St Cloud actives
$227 vs $211
Days on market
4 vs 53 typical
Where $227/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
35,390
Median age
40.3
Median income
$97,868
Median home value
$390,900
Avg household
2.99
Households w/ children
4,375
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
200 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 2968 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 ’26$400,000
2936 SCARLETT DRIVE · same community
4 bd · 3 ba · 1,854 sqft · $216/sqft · 187 DOM
Sold · Oct ’26$425,000
6019 36TH COURT E · same community
3 bd · 2 ba · 2,042 sqft · $208/sqft · 8 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2968 SCARLETT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2968 SCARLETT DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2968 SCARLETT DRIVE FAQs
What would the monthly payment be for 2968 SCARLETT DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,343/mo — principal and interest, the actual property-tax bill, the $75/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 2968 SCARLETT DRIVE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2968 SCARLETT DRIVE?+
The most recent tax bill on record (2025) was $3,538. 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 2968 SCARLETT DRIVE?+
The listing reports pets: Yes. 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 $384,990, this home is listed about 8% below the St Cloud median of $420,240. The market section on this page shows how the area is trending.
Which schools are assigned to 2968 SCARLETT DRIVE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Patricia Sanchez Couso. MLS #S5160669.
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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