Osceola County property record for 2097 Napoli Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,063 sqft · built 2019 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $665,000 (Jun 2022) |
| Tax Bill | $7,442 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 162531501500012030 |
| Primary APN | 162531501500012030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,063 sqft Heated Area |
| Gross Area | 4,324 sqft |
| 1st Floor Area | 1,619 sqft |
| Upper Floors Area | 1,444 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished |
| Garage Area | 231 sqft |
| Pool Area | 408 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 534 sqft |
| Deck Area | 342 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2097 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 203 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 2 |
| Legal Tract | 5015 |
| Legal Lot Number | 203 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501500012030
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 | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2022 | Limited Warranty Deed, Transfer MORTGAGE CONNECT LP |
| Jun 24, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Sep 15, 2020 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Jan 03, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on Record |
| Deed Sale | Jun 24, 2022 · Amount on Record |
| Prior Sale | Mar 31, 2022 · Amount on Record |
| Deed Document Number | 2022098641 |
| Deed Book / Page | 6239 / 729 |
| Record Updated | Jun 08, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 31, 2022 |
| Property Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0061840937 |
| Book / Page | 6184 / 937 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022051697 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Name | Verified Name |
|---|---|
| Address | 175 GREENWICH ST FL 59, 59, NEW YORK, NY 10007-2450 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0062390729 |
| Book / Page | 6239 / 729 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022098641 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,655.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 175 GREENWICH ST, NEW YORK, NY 10007-2439 |
| Name | Verified Name |
|---|---|
| Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0006239733 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 6239/733 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0057932792 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 5793/2792 |
| Instrument | 2020123232 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 03, 2020 |
| Property Address | 2097 NAPOLI DR, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0056512634 |
| Book / Page | 5651 / 2634 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2020000862 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,592.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591 |
| Name | Verified Name |
|---|---|
| Address | 2097 NAPLOI DRIVE, SAINT CLOUD, FL 34771-8055 |
| Document Number | 0056512636 |
|---|---|
| Date | Jan 03, 2020 |
| Instrument | 5651/2636 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,442.00 (-1.79%) Homeowner's exemption | $526,600 (-2.17%) Land $88,000 Building $438,600 | $526,600 (-2.17%) Land $88,000 Building $438,600 |
| 2023 | $7,578.00 (+61.85%) Homeowner's exemption | $538,300 (+61.21%) Land $88,000 Building $450,300 | $538,300 (+16.87%) Land $88,000 Building $450,300 |
| 2022 | $4,682.00 Homeowner's exemption | $333,913 | $460,600 Land $60,500 Building $400,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies 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.
Based on FCC filings for 444 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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