2073 Napoli Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2073 Napoli Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,381 sqft · built 2021
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Apr 2022)
Tax Bill	$6,512 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501500012060`

Property Details

APN / Parcel Number

Primary APN	`162531501500012060`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,381 sqft Heated Area
Gross Area	3,041 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	372 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2073 NAPOLI DR
City	SAINT CLOUD
State	FL
Zip	34771-8055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 206
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	206
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

2073 Napoli Dr is owned and occupied by an individual who bought it in April 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055
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
Apr 5, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 3, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2022 · Amount on File
Deed Sale	Apr 5, 2022 · Amount on File
Prior Sale	Aug 3, 2021 · Amount on File
Deed Document Number	2022053703
Deed Book / Page	6187 / 431
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2022
Property Address	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055
Document Number	0061870431
Book / Page	6187 / 431
Map Reference	MB 28 PG 14-19
Instrument Date	Apr 1, 2022
Instrument	2022053703
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,095.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055

Mortgage

Document Number	0006187432
Date	Apr 5, 2022
Instrument	6187/432

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2021
Property Address	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055
Document Number	0060152175
Book / Page	6015 / 2175
Map Reference	MB 28 PG 14-19
Instrument Date	Jul 30, 2021
Instrument	2021120384
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,528.40
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	2073 NAPOLI DR, SAINT CLOUD, FL 34771-8055

Mortgage

Document Number	0060152177
Date	Aug 3, 2021
Instrument	6015/2177

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2073 Napoli Dr was $6,512.

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	$6,512.00	$418,600 Land $88,000 Building $330,600	$418,600 Land $88,000 Building $330,600
2023	$6,623.00 (+20.03%)	$429,800 (+21.55%) Land $88,000 Building $341,800	$429,800 (+21.55%) Land $88,000 Building $341,800
2022	$5,518.00	$353,600 Land $60,500 Building $293,100	$353,600 Land $60,500 Building $293,100

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

Flood

FEMA maps place 2073 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 2073 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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