1993 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1993 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,843 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on File
Last Sale	$433,370 (May 2021)
Tax Bill	$7,383 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-2110`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-2110`
Alternative APN	`253116501500012110`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,843 sqft Living Area
Gross Area	4,342 sqft
1st Floor Area	2,045 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1993 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 211
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	211
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

1993 Napoli Dr is owned and occupied by two individuals who bought it in May 2021.

Source: Osceola County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1993 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
May 5, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2021 · Amount on File
Deed Sale	May 5, 2021 · Amount on File
Deed Document Number	202168890
Deed Book / Page	5951 / 937
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2026
Property Address	1993 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Document Number	0000118003
Book / Page	7033 / 197
Instrument Date	Sep 3, 2026
Instrument	2026118003
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1993 NAPOLI DR, SAINT CLOUD, FL 34771-8053

Mortgage

Document Number	0000118003,
Date	Sep 10, 2026
Book Page	7033/197
Instrument	2026118003

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2056

Interest

Max Rate	-1%

May 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 5, 2021
Property Address	1993 NAPOLI DR, SAINT CLOUD, FL 34771-8053
Document Number	0059510937
Book / Page	5951 / 937
Map Reference	MB 28 PG 14-19
Instrument Date	Apr 29, 2021
Instrument	2021068890
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,033.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 TAVISTOCK LAKES BOULEVARD STE 200, 200, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1993 NAPOLI DR, SAINT CLOUD, FL 34771-8053

Mortgage

Document Number	0005951939
Date	May 5, 2021
Instrument	5951/939

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1993 Napoli Dr was $7,383 with a homeowner's exemption.

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	$7,383.00 Homeowner's exemption	$522,361	$547,400 Land $88,000 Building $459,400
2023	$6,943.00 (+3.58%) Homeowner's exemption	$492,855 (+3%)	$563,000 (+17.66%) Land $88,000 Building $475,000
2022	$6,703.00 Homeowner's exemption	$478,500 Land $60,500 Building $418,000	$478,500 Land $60,500 Building $418,000

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

Flood

FEMA maps place 1993 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 1993 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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