1840 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1840 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 2020
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,870 (Jan 2021)
Tax Bill	$5,151 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-0830`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-0830`
Alternative APN	`253116501500010830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	2,112 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1840 NAPOLI DR
City	SAINT CLOUD
State	FL
Zip	34771-8052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 83
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	83
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of June 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2024	Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC
Jan 29, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jul 6, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	202113416
Deed Book / Page	5880 / 1328
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052

Mortgage

Document Number	0066811965
Date	Oct 21, 2024
Book Page	6681/1965
Instrument	2024133233

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2044

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2021
Property Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0058801328
Book / Page	5880 / 1328
Map Reference	MB 28 PG 14
Instrument Date	Jan 28, 2021
Instrument	2021013416
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,260.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052

Mortgage

Document Number	0058801330
Date	Jan 29, 2021
Instrument	5880/1330

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2020
Property Address	1840 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0057491874
Book / Page	005749 / 001874
Instrument Date	Jul 2, 2020
Instrument	86639
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,863.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,151.00 (+6.87%) Homeowner's exemption	$361,216 (+5.99%)	$385,300 (-2.63%) Land $88,000 Building $297,300
2023	$4,820.00 (+4.04%) Homeowner's exemption	$340,812 (+3.15%)	$395,700 (+19.76%) Land $88,000 Building $307,700
2022	$4,633.00 Homeowner's exemption	$330,400 Land $60,500 Building $269,900	$330,400 Land $60,500 Building $269,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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