2048 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2048 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,381 sqft · built 2020
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jan 2023)
Tax Bill	$5,729 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-0500`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-0500`
Alternative APN	`253116501500010500`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,381 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	1,407 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	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	452 sqft
Porch	Florida Room

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2048 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 50
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	50
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 November 26, 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	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Oct 4, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 24, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Oct 4, 2022 · Amount on Record
Deed Document Number	2023890
Deed Book / Page	6339 / 2457
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	0062950004
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2023
Property Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Document Number	0063392457
Book / Page	6339 / 2457
Map Reference	MB 28 PG 14-19
Instrument Date	Dec 30, 2022
Instrument	2023000890
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Mortgage

Document Number	0063392459
Date	Jan 4, 2023
Instrument	6339/2459

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2022
Property Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Document Number	0062950004
Book / Page	6295 / 4
Map Reference	MB 28 PG 14-19
Instrument Date	Sep 22, 2022
Instrument	2022147921
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2020
Property Address	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054
Document Number	0057611827
Book / Page	5761 / 1827
Map Reference	MB 28 PG 14-19
Instrument Date	Jul 23, 2020
Instrument	2020097068
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,391.20
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	2048 NAPOLI DR, SAINT CLOUD, FL 34771-8054

Mortgage

Document Number	0057611829
Date	Jul 24, 2020
Instrument	5761/1829

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	$5,729.00 (-2.57%) Homeowner's exemption	$403,000 (-1.87%) Land $80,000 Building $323,000	$403,000 (-1.87%) Land $80,000 Building $323,000
2024	$5,880.00 (+1.45%)
2023	$5,796.00 (+41.02%) Homeowner's exemption	$410,700 (+40.15%) Land $80,000 Building $330,700	$410,700 (+18.87%) Land $80,000 Building $330,700
2022	$4,110.00 Homeowner's exemption	$293,035	$345,500 Land $55,000 Building $290,500

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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