2008 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2008 Napoli Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Nov 2024)
Tax Bill	$5,776 (2025)
Deeds & Mortgages	Nov 2024 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501500010550`

Property Details

APN / Parcel Number

Primary APN	`162531501500010550`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,484 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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2008 NAPOLI DR
City	SAINT CLOUD
State	FL
Zip	34771-8054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 55
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 162531501500010550

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2008 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 05, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 04, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 05, 2024 · Amount on Record
Deed Sale	Nov 05, 2024 · Amount on Record
Prior Sale	Nov 04, 2020 · Amount on Record
Deed Document Number	2024140152
Deed Book / Page	6690 / 981
Record Updated	Jun 08, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 05, 2024
Property Address	2008 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Document Number	0066900981
Book / Page	6690 / 981
Map Reference	MB 28 PG 14-19
Instrument Date	Nov 01, 2024
Instrument	2024140152
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6101 MORNING GLORY DR, HARRISON, TN 37341-9662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2008 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Mortgage

Document Number	2024140153
Date	Nov 05, 2024
Instrument	2024140153

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 04, 2020
Property Address	2008 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Document Number	0058252959
Book / Page	5825 / 2959
Map Reference	MB 29 PG 14
Instrument Date	Oct 15, 2020
Instrument	2020149913
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,172.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2008 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Mortgage

Document Number	0058252961
Date	Nov 04, 2020
Instrument	5825/2961

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,776.00 (+48.52%)	$365,500 (+33.33%) Land $80,000 Building $285,500	$365,500 (-1.32%) Land $80,000 Building $285,500
2023	$3,889.00 (+4.12%) Homeowner's exemption	$274,136 (+3%)	$370,400 (+19.14%) Land $80,000 Building $290,400
2022	$3,735.00 Homeowner's exemption	$266,152	$310,900 Land $55,000 Building $255,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 313 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 444 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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