1857 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1857 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,307 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,800 (Dec 2020)
Tax Bill	$5,038 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501500012270`

Property Details

APN / Parcel Number

Primary APN	`162531501500012270`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,307 sqft Heated Area
Gross Area	3,644 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1857 NAPOLI DR
City	SAINT CLOUD
State	FL
Zip	34771-8053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 227
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	227
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 December 11, 2025

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	1857 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Deed Document Number	2020162595
Deed Book / Page	5841 / 2690
Record Updated	Jun 8, 2026

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2020
Property Address	1857 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Document Number	0058412690
Book / Page	005841 / 002690
Instrument Date	Nov 30, 2020
Instrument	162595
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 16, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,532.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1857 NAPOLI DR ST CLOUD FL 347718053, ST CLOUD, FL 34771-8053

Mortgage

Document Number	58412692
Date	Dec 1, 2020
Book Page	005841/002692
Instrument	162596

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,038.00 (+6.9%) Homeowner's exemption	$353,065 (+5.99%)	$440,500 (-2.74%) Land $88,000 Building $352,500
2023	$4,713.00 (+3.93%) Homeowner's exemption	$333,122 (+3%)	$452,900 (+18.81%) Land $88,000 Building $364,900
2022	$4,535.00 Homeowner's exemption	$323,420	$381,200 Land $60,500 Building $320,700

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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