2009 NAPOLI DRIVE, ST CLOUD, FL, 34771
Active154 days on marketListed Feb 21, 2026MLS #S5144337
About this home
2009 NAPOLI DRIVE
Welcome to this Beautiful Home located on one of the largest corners lots in an excellent community with NO CDD! Open concept home built in 2021, with 4 bedrooms, 2 baths, living room and dining room combo. You will be impressed with the high ceilings, spacious kitchen with 42" cabinets, granite countertops, title backsplash, under-cabinet lighting, walk-in pantry and stainless-steel appliances. The comfortable master bedroom is in the back of the home with amazing view of the tropical landscaping from the double windows. This suite has walk-in closet and bathroom with two sinks, rain shower, privately enclosed toilet area and linen closet. Bedroom with a front facing view ideal for a home office, media room, or playroom. Two-car garage plus driveway space for up to four vehicles. The huge patio and cover - screened lanai space with partial water views will give you the opportunity to enjoy with your family the excellent weather of Florida. Residents enjoy community amenities including a pool and scenic walking trails, Great Opportunity to join this exquisite area located minutes away from Lake Nona, 192 road for easy access to highway, restaurants, pharmacies, hospital, medical offices, mall and supermarkets. This exceptional home combines comfort, elegance, and location — the perfect place to call home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,670
Sqft
0.18 ac
Lot size
2
Garage
2021
Year built
One
Levels
$249
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,355 /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
$3,355/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+1.8%
$/sqft vs St Cloud actives
$249 vs $221
Days on market
154 vs 33 typical
Where $249/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2009 NAPOLI DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$365,000
5318 PAVIA DRIVE · same community
3 bd · 2 ba · 1,508 sqft · $242/sqft · 7 DOM
Sold · Aug ’25$463,000
1896 NAPOLI DRIVE · same community
3 bd · 2 ba · 2,112 sqft · $219/sqft · 45 DOM
Sold · Aug ’25$514,000
5458 CARRARA COURT · same community
4 bd · 2.5 ba · 2,623 sqft · $196/sqft · 73 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Robert Holmgren
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2009 NAPOLI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2009 NAPOLI DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Robert's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2009 NAPOLI DRIVE FAQs
What would the monthly payment be for 2009 NAPOLI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,355/mo — principal and interest, the actual property-tax bill, the $103/mo association fee 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.
How much are the HOA fees at 2009 NAPOLI DRIVE?+
The association fee works out to $103 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2009 NAPOLI DRIVE?+
The most recent tax bill on record (2025) was $5,580. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2009 NAPOLI DRIVE?+
The listing reports pets: Yes. 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 $415,000, this home is listed about 2% 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 2009 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.
Keep looking
Similar homes nearby
Listing courtesy of AXEN REALTY, LLC · Idaris Morales Sierra, Pa. MLS #S5144337.
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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