2920 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2920 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,096 sqft · built 1996
Lot Size	0.135 acres (5,924 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Mar 2020)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`128024`

Property Details

APN / Parcel Number

Primary APN	`128024`
Alternative APNs	`222630007200010570` `222630276200010570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,096 sqft Heated Area
Gross Area	2,000 sqft
1st Floor Area	1,096 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,924 sqft (0.135 acres)
Lot Dimensions	115 ft deep x 56 ft wide
Garage Type	Finished
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	486 sqft
Patio Area	456 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	128024
Old Parcel Number	222630276200010570
Street Address	2920 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 57
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES
Legal Phase	2
Legal Tract	72
Legal Block	1
Legal Lot Number	57
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 December 11, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 19, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONWIDE MORTGAGE BANKERS INC
Nov 21, 2019	Grant Deed, Transfer TITLE 365
May 9, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2020 · Amount on Record
Deed Sale	Mar 19, 2020 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	2020039569
Deed Book / Page	5695 / 510
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0060090998
Date	Jul 26, 2021
Book Page	6009/998
Instrument	2021115120

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Apr 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2020
Property Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Document Number	0056950510
Book / Page	5695 / 510
Map Reference	MB 8 PG 92
Instrument Date	Mar 18, 2020
Instrument	2020039569
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,498.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 MILL CREEK PL, 1316, KISSIMMEE, FL 34744-2618

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056950511
Date	Mar 19, 2020
Instrument	5695/0511

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2019
Property Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Document Number	0056271325
Book / Page	005627 / 001325
Instrument Date	Nov 6, 2019
Instrument	151584
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	TITLE 365

Transaction

Amount	Amount Recorded
Tax	$1,101.87
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1316 MILL CREEK PL KISSIMMEE FL 347442618, KISSIMMEE, FL 34744-2618

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 9, 2019
Property Address	2920 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Document Number	0055211278
Book / Page	005521 / 001278
Instrument Date	Apr 23, 2019
Instrument	59639
Transaction Type	Foreclosure
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	75 N FAIR OAKS AVE PASADENA CA 911033651, PASADENA, CA 91103-3651

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,768.00 (+6.54%) Homeowner's exemption	$197,559 (+5.99%)	$270,800 (-2.69%) Land $65,000 Building $205,800
2023	$2,598.00 (+3.84%) Homeowner's exemption	$186,400 (+3%)	$278,300 (+15.57%) Land $60,000 Building $218,300
2022	$2,502.00 Homeowner's exemption	$180,971	$240,800 Land $55,000 Building $185,800

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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