2932 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2932 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,135 sqft · built 1996
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Mar 2020)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128018`

Property Details

APN / Parcel Number

Primary APN	`128018`
Alternative APNs	`222630007200010510` `222630276200010510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,135 sqft Heated Area
Gross Area	1,619 sqft
1st Floor Area	1,135 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 72 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Patio Area	60 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	128018
Old Parcel Number	222630276200010510
Street Address	2932 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 51
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	51
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
Mailing Address	2932 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Mar 17, 2020	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2020 · Amount on Record
Deed Sale	Mar 17, 2020 · Amount on Record
Prior Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	2020038368
Deed Book / Page	5693 / 2536
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2932 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051980426
Date	Aug 22, 2017
Book Page	5198/0426
Instrument	2017121562

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 17, 2020
Property Address	2932 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Document Number	0056932536
Book / Page	5693 / 2536
Map Reference	MB 8 PG 92
Instrument Date	Mar 12, 2020
Instrument	2020038368
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	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4030 PACKARD AVE, 4030, SAINT CLOUD, FL 34772-7354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2932 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0056932537
Date	Mar 17, 2020
Instrument	5693/2537

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

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

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	$3,637.00 (-5.24%) Homeowner's exemption	$246,100 (-2.42%) Land $65,000 Building $181,100	$246,100 (-2.42%) Land $65,000 Building $181,100
2023	$3,838.00 (+11.67%)	$252,200 (+15.05%) Land $60,000 Building $192,200	$252,200 (+15.05%) Land $60,000 Building $192,200
2022	$3,437.00	$219,200 Land $55,000 Building $164,200	$219,200 Land $55,000 Building $164,200

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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 257 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Xfinity.

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