1920 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1920 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	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,350 (Jul 2020)
Tax Bill	$5,576 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500010740`

Property Details

APN / Parcel Number

Primary APN	`162531501500010740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,307 sqft Heated Area
Gross Area	3,312 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	7,405 sqft (0.169 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1920 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 74
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	74
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	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 29, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DEVELOPERS MORTGAGE CO
Jul 13, 2020	Grant Deed, Subdivision Related Transfer MI TITLE AGENCY, MI TITLE AGCY
May 7, 2020	Correction Deed, Transfer ATTORNEY ONLY
Jan 28, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	2020090425
Deed Book / Page	5753 / 1199
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2026
Property Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0000097855
Book / Page	7010 / 361
Instrument Date	Jul 18, 2026
Instrument	202697855
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052

Mortgage

Document Number	0000097855,
Date	Jul 27, 2026
Book Page	7010/361
Instrument	202697855

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2020
Property Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0057450922
Book / Page	5745 / 922
Map Reference	MB 28 PG 14
Instrument Date	Jun 26, 2020
Instrument	2020083215
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,466.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052

Mortgage

Document Number	5745924
Date	Jun 29, 2020
Instrument	5745/924

Lender

Name	DEVELOPERS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2020
Property Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0057531199
Book / Page	005753 / 001199
Instrument Date	Jun 26, 2020
Instrument	90425
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2020
Title Company	MI TITLE AGENCY, MI TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$2,466.00
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	1920 NAPOLI DR ST CLOUD FL 347718052, ST CLOUD, FL 34771-8052

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2020
Property Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0057190525
Book / Page	005719 / 000525
Instrument Date	May 4, 2020
Instrument	61346
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	1920 NAPOLI DR, SAINT CLOUD, FL 34771-8052
Document Number	0056642384
Book / Page	005664 / 002384
Instrument Date	Jan 27, 2020
Instrument	13463
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$19,992.00
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 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	$5,576.00 (+6.74%) Homeowner's exemption	$391,887 (+5.99%)	$428,700 (-2.77%) Land $88,000 Building $340,700
2023	$5,224.00 (+3.96%) Homeowner's exemption	$369,751 (+3.14%)	$440,900 (+19.29%) Land $88,000 Building $352,900
2022	$5,025.00 Homeowner's exemption	$358,497	$369,600 Land $60,500 Building $309,100

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 65% of the US · above 42% 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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