1937 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1937 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,714 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$289,500 (Mar 2022)
Tax Bill	$7,568 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-2180`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-2180`
Alternative APN	`253116501500012180`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,714 sqft Living Area
Gross Area	4,291 sqft
1st Floor Area	1,757 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1937 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 218
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	218
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

1937 Napoli Dr is owned and occupied by two individuals who bought it in March 2022.

Source: Osceola County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 2, 2020	Warranty Deed, Transfer · Commercial Mortgage NEW WAVE LOANS RESIDENTIAL LLC
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	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Prior Sale	Nov 2, 2020 · Amount on File
Deed Document Number	202233877
Deed Book / Page	6162 / 964
Prior Transfer Date	Feb 24, 2022
Prior Transfer Doc	0061620964
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2022
Property Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Document Number	0061620964
Book / Page	6162 / 964
Map Reference	MB 28 PG 14
Instrument Date	Feb 24, 2022
Instrument	2022033877
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Investor	Possibly a Property Investor

Mortgage

Document Number	0006162968
Date	Mar 2, 2022
Instrument	6162/968

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 2, 2020
Property Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Document Number	0058241267
Book / Page	5824 / 1267
Map Reference	MB 28 PG 14
Instrument Date	Oct 30, 2020
Instrument	2020148560
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	M I TITLE AGENCY LTD L C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,136.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTEMATIONAL PARKWAY #470470, 400, LAKE MARY, FL 32746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053

Mortgage

Document Number	0058241269
Date	Nov 2, 2020
Instrument	5824/1269

Lender

Name	NEW WAVE LOANS RESIDENTIAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Nov 1, 2023

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2020
Property Address	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
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	1937 NAPOLI DR, SAINT CLOUD, FL 34771-8053
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 on Record
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

The 2025 property tax bill for 1937 Napoli Dr was $7,568 with a homeowner's exemption, down 3% from the year before.

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	$7,568.00 (-2.99%) Homeowner's exemption	$535,700 Land $88,000 Building $447,700	$535,700 Land $88,000 Building $447,700
2024	$7,801.00 (+1.18%)
2023	$7,710.00 (+15.37%) Homeowner's exemption	$547,800 (+17.83%) Land $88,000 Building $459,800	$547,800 (+17.83%) Land $88,000 Building $459,800
2022	$6,683.00	$464,900 Land $60,500 Building $404,400	$464,900 Land $60,500 Building $404,400

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

Flood

FEMA maps place 1937 Napoli Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File 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

Wildfire risk around 1937 Napoli Dr is moderate, ranking above 65% of the US, with a 0.3% annual chance of 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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