1840 NAPOLI DRIVE, ST CLOUD, FL, 34771
Pending44 days on marketListed Jun 11, 2026MLS #O6416229
About this home
1840 NAPOLI DRIVE
Beautiful one-story home located in the peaceful Sunset Grove community in Saint Cloud. This well-maintained 4-bedroom, 2-bath residence offers a spacious open floor plan, a bonus room with double doors, plenty of natural light, and a relaxing water view from the backyard. Added value and convenience: this home includes a whole-house water softener/water filtration system, lawn care, and pest control helping make everyday living easier and more comfortable. Desirable location just minutes from Lake Nona, with easy access to Medical City, shopping, dining, major roads, and everyday conveniences. Move-in ready and easy to show. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,112
Sqft
0.13 ac
Lot size
2
Garage
2020
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1840 NAPOLI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1840 NAPOLI DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1840 NAPOLI DRIVE FAQs
What would the monthly payment be for 1840 NAPOLI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 1840 NAPOLI DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $2,850, this home is listed about 99% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1840 NAPOLI DRIVE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$2,850 is 99% below the ST CLOUD 34771 median of $424,995, and at $1/sqft it sits under the St Cloud average of $236.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $2,950, now $2,850 — a $100 cut. The full history is in the market section below.
Listing courtesy of MCO REALTY GROUP LLC · Erika Neutzling. MLS #O6416229.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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