2912 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2912 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,090 sqft · built 2000
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Aug 2026)
Tax Bill	$7,815 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0610`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0610`
Alternative APNs	`222630276200010610` `263022007200010610` `128027`

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 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	106 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	2912 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 61
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	610
Legal Lot Number	61
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 August 25, 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 Record
Mailing Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Mar 10, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 20, 2021	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2026 · Amount on Record
Deed Sale	Aug 11, 2026 · Amount on Record
Prior Sale	Dec 20, 2021 · Amount on Record
Deed Document Number	2026104599
Deed Book / Page	7018 / 658
Prior Transfer Date	Feb 28, 2022
Prior Transfer Doc	0061690291
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2026
Property Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0000104599
Book / Page	7018 / 658
Instrument Date	Aug 7, 2026
Instrument	2026104599
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$224,826.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871

Mortgage

Document Number	0000104600,
Date	Aug 11, 2026
Instrument	2026104600

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000104601,
Date	Aug 11, 2026
Book Page	7018/677
Instrument	2026104601

Lender

Name	ORANGE COUNTY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2022
Property Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0061690291
Book / Page	6169 / 291
Map Reference	MB 8 PG 92
Instrument Date	Feb 28, 2022
Instrument	2022039180
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2021
Property Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871
Document Number	0061112907
Book / Page	6111 / 2907
Map Reference	MB 8 PG 92
Instrument Date	Dec 15, 2021
Instrument	2021196152
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4537 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 CIALELLA PASS, SAINT CLOUD, FL 34772-8871

Mortgage

Document Number	0061112909
Date	Dec 20, 2021
Instrument	6111/2909

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$7,815.00 (+15.56%)	$247,100 (-2.41%) Land $65,000 Building $182,100	$247,100 (-2.41%) Land $65,000 Building $182,100
2024	$6,763.00 (+12.03%)
2023	$6,037.00 (+8.38%)	$253,200 (+15.41%) Land $60,000 Building $193,200	$253,200 (+15.41%) Land $60,000 Building $193,200
2022	$5,570.00	$219,400 Land $55,000 Building $164,400	$219,400 Land $55,000 Building $164,400

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 · Fiber in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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