Osceola County property record for 2903 Cialella Pass, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2008 |
| Square Footage | 1,314 sqft Living Area |
| Lot Size | 5,270 sqft (0.121 acres) |
| Garage | Attached, 399 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,238.00 (2024) |
| Primary APN | 22-26-30-0072-0001-0690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 1,959 sqft Gross Area |
| 1st Floor | 1,314 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,270 sqft (0.121 acres) |
| Depth X Width | 105 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 399 sqft Garage |
| Porch Area | 246 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2903 CIALELLA PASS |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8874 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK EST PH 2 PB 8 PG 92 LOT 69 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CANOE CREEK ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Tract | 72 |
| Legal Block | 690 |
| Legal Lot Number | 69 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 43207 |
Source: Osceola County records · APN 22-26-30-0072-0001-0690
Assessment roll updated November 26, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 23, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jul 17, 2020 | Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| May 25, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 17, 2020 |
| Deed Sale | Jul 17, 2020 |
| Prior Sale | May 25, 2017 · Amount on Record |
| Deed Doc Number | 202093397 |
| Deed Book / Page | 5756 / 1467 |
| Prior Transfer Date | Jul 09, 2020 |
| Prior Transfer Doc | 0057561467 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Document Number | 0059421732 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 5942/1732 |
| Instrument | 2021061970 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Aug 01, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 17, 2020 |
| Property Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Document Number | 0057561467 |
| Book / Page | 5756 / 1467 |
| Map Reference | MB 8 PG 92 |
| Instrument Date | Jul 09, 2020 |
| Instrument | 2020093397 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INSPIRE CLOSING SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Document Number | 0057561470 |
|---|---|
| Date | Jul 17, 2020 |
| Instrument | 5756/1470 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 25, 2017 |
| Property Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Document Number | 0051532251 |
| Book / Page | 5153 / 2251 |
| Map Reference | MB8 PG92 |
| Instrument Date | May 23, 2017 |
| Instrument | 2017076674 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,253.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3617 CROSLEY AVE, 3617, SAINT CLOUD, FL 34772-8160 |
| Name | Verified Name |
|---|---|
| Address | 2903 CIALELLA PASS, SAINT CLOUD, FL 34772-8874 |
| Document Number | 0051532252 |
|---|---|
| Date | May 25, 2017 |
| Instrument | 5153/2252 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $2,321.00 (+3.71%) Homeowner's exemption | $172,573 (+5.99%) | $275,700 (-2.61%) Land $65,000 Building $210,700 |
| 2024 | $2,238.00 (+2.99%) | ||
| 2023 | $2,173.00 (+4.02%) Homeowner's exemption | $162,826 (+3%) | $283,100 (+15.69%) Land $60,000 Building $223,100 |
| 2022 | $2,089.00 Homeowner's exemption | $158,084 | $244,700 Land $55,000 Building $189,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 40% of the US · above 12% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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