2936 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2936 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1995
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Jan 2013)
Tax Bill	$1,082 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0490`
Alternative APNs	`222630276200010490` `263022007200010490` `128016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	1,538 sqft
1st Floor Area	1,052 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	5,227 sqft (0.12 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	26 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2936 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 49
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	490
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

2936 Cialella Pass is owned and occupied by an individual who bought it in January 2013.

Source: Osceola County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Oct 4, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 3, 2019	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2013 · Amount on File
Deed Sale	Jan 15, 2013 · Amount on File
Prior Sale	Jan 25, 2012
Deed Document Number	20138042
Deed Book / Page	4381 / 2130
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2026
Property Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Document Number	0000101484
Book / Page	7014 / 1943
Instrument Date	Jul 29, 2026
Instrument	2026101484
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0000101484,
Date	Aug 4, 2026
Book Page	7014/1943
Instrument	2026101484

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0064842608
Date	Oct 4, 2023
Book Page	6484/2608
Instrument	2023130861

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0061202869
Date	Jan 3, 2022
Book Page	6120/2869
Instrument	2022000558

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2936 CIALELLA PASS, SAINT CLOUD, FL 34772-8872

Mortgage

Document Number	0059850047
Date	Jun 21, 2021
Book Page	5985/47
Instrument	2021096184

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2936 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	0055341138
Date	Jun 3, 2019
Book Page	5534/1138
Instrument	2019071150

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2936 Cialella Pass was $1,082 with a homeowner's exemption.

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	$1,082.00 Homeowner's exemption	$103,371	$234,300 Land $65,000 Building $169,300
2023	$997.00 (+5.28%) Homeowner's exemption	$97,533 (+3%)	$239,600 (+15.25%) Land $60,000 Building $179,600
2022	$947.00 Homeowner's exemption	$94,693	$207,900 Land $55,000 Building $152,900

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

Flood

FEMA maps place 2936 Cialella Pass in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 2936 Cialella Pass is low, with a 0.05% annual chance of 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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