2916 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2916 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,713 sqft · built 1995
Lot Size	0.219 acres (9,539 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2024)
Tax Bill	$4,394 (2025)
Deeds & Mortgages	Nov 2022 Reverse Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0590`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0590`
Alternative APNs	`222630276200010590` `263022007200010590` `128545`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,713 sqft Living Area
Gross Area	2,189 sqft
1st Floor Area	1,444 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,539 sqft (0.219 acres)
Lot Dimensions	145 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	297 sqft
Porch	Metal Porch
Porch Area	156 sqft
Deck Area	411 sqft
Shed	1 Shed
Shed Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2916 CIALELLA PASS
City	SAINT CLOUD
State	FL
Zip	34772-8872
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 59
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	590
Legal Lot Number	59
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 18, 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	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Reverse Mortgage DATA MORTGAGE INC
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2024 · Amount on Record
Deed Sale	Sep 11, 2024 · Amount on Record
Prior Sale	Jan 28, 2003 · Amount on Record
Deed Document Number	2024116806
Deed Book / Page	6663 / 500
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0063100942
Date	Nov 3, 2022
Book Page	6310/942
Instrument	2022161669

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Nov 10, 2094

Interest

Rate Type	Adjustable Rate
Rate	7.07%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2022
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2616 CIALELLA PASS, SAINT CLOUD, FL 34772

Mortgage

Document Number	0059602380
Date	May 18, 2021
Book Page	5960/2380
Instrument	2021076392

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2916 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0058630791
Date	Jan 4, 2021
Book Page	5863/791
Instrument	2021000062

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 1, 2040

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	$4,394.00 (+331.21%)	$288,400 (+192.03%) Land $65,000 Building $223,400	$288,400 (-2.2%) Land $65,000 Building $223,400
2023	$1,019.00 (+5.27%) Homeowner's exemption	$98,757 (+3%)	$294,900 (+15.02%) Land $60,000 Building $234,900
2022	$968.00 Homeowner's exemption	$95,881	$256,400 Land $55,000 Building $201,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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