2906 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2906 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,090 sqft · built 1999
Lot Size	0.121 acres (5,270 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Dec 2025)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0640`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0640`
Alternative APNs	`222630276200010640` `263022007200010640` `128030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,090 sqft Living Area
Gross Area	1,520 sqft
1st Floor Area	1,090 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,270 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	12 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2906 CIALELLA PASS
City	SAINT CLOUD
State	FL
Zip	34772-8871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CANOE CREEK EST PH 2 PB 8 PG 92 LOT 64
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	640
Legal Lot Number	64
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records, as of January 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1805 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 9, 2022	Deed of Trust, Mortgage · Line of Credit MOVEMENT MORTGAGE
Jul 8, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Oct 12, 2017	Warranty Deed, Transfer · Conventional Mortgage NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	2025159383
Deed Book / Page	6901 / 1918
Prior Transfer Date	Jul 27, 2005
Prior Transfer Doc	0028541599
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 31, 2025
Property Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0069011918
Book / Page	6901 / 1918
Map Reference	MB 8 PG 92
Instrument Date	Dec 23, 2025
Instrument	2025159383
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	YOUR TITLE CONNECTION LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2224 JESSICA LN, KISSIMMEE, FL 34744-6447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 HAWKSBILL LN, SAINT CLOUD, FL 34771-7569

Mortgage

Document Number	0069011920
Date	Dec 31, 2025
Book Page	6901/1920
Instrument	2025159384

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871

Mortgage

Document Number	0063130368
Date	Nov 9, 2022
Book Page	6313/368
Instrument	2022164103

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2020
Property Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0057510187
Book / Page	005751 / 000187
Instrument Date	Jul 2, 2020
Instrument	87965
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2635 EMERALD LAKE CT KISSIMMEE FL 347444991, KISSIMMEE, FL 34744-4991

Mortgage

Document Number	57510188
Date	Jul 8, 2020
Book Page	005751/000188
Instrument	87966

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2017
Property Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0052221739
Book / Page	5222 / 1739
Map Reference	MB8 PG92
Instrument Date	Oct 6, 2017
Instrument	2017145754
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$945.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2682 ARRON CT, 2682, KISSIMMEE, FL 34744-4060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2906 CIALELLA PASS, SAINT CLOUD, FL 34772-8871

Mortgage

Document Number	0052221742
Date	Oct 12, 2017
Instrument	5222/1742

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,501.00 (+3.52%) Homeowner's exemption	$238,528 (+5.99%)	$246,100 (-2.34%) Land $65,000 Building $181,100
2024	$3,382.00 (+2.67%)
2023	$3,294.00 (+3.65%) Homeowner's exemption	$225,055 (+3%)	$252,000 (+15.33%) Land $60,000 Building $192,000
2022	$3,178.00 Homeowner's exemption	$218,500 Land $55,000 Building $163,500	$218,500 Land $55,000 Building $163,500

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

Flood

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 Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon, Xfinity.

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