2939 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2939 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 1995
Lot Size	0.121 acres (5,270 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (Oct 2017)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0760`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0760`
Alternative APNs	`222630276200010760` `263022007200010760` `128041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Living Area
Gross Area	1,620 sqft
1st Floor Area	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,270 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Metal Porch
Porch Area	426 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2939 CIALELLA PASS
City	SAINT CLOUD
State	FL
Zip	34772-8876
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 76
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	760
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 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	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 30, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
Jul 28, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 17, 2019	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Oct 2, 2017	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Oct 5, 2011
Deed Document Number	2017139567
Deed Book / Page	5216 / 332
Last Transfer Date	Jul 29, 2021
Transfer Doc	0060130642
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Transaction Type	Mortgage
Record Updated	Dec 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Investor	Possibly a Property Investor

Mortgage

Document Number	0065091482
Date	Nov 27, 2023
Book Page	6509/1482
Instrument	2023154115

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2021
Property Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0060130642
Book / Page	6013 / 642
Map Reference	MB 8 PG 92
Instrument Date	Jul 29, 2021
Instrument	2021118403
Record Updated	Aug 18, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2021
Property Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0060112583
Book / Page	6011 / 2583
Map Reference	MB 8 PG 92
Instrument Date	Jul 23, 2021
Instrument	2021117245
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0055960236
Instrument Date	Sep 17, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2939 CIALELLA PASS ST CLOUD FL 347728876, ST CLOUD, FL 34772-8876

Mortgage

Document Number	0055960236
Date	Sep 26, 2019
Book Page	005596/000236
Instrument	124734

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2017
Property Address	2939 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0052160332
Book / Page	005216 / 000332
Instrument Date	Sep 29, 2017
Instrument	139567
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	BLUE WATER CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2939 CIALELLA PASS ST CLOUD FL 347728876, ST CLOUD, FL 34772-8876

Mortgage

Document Number	52160333
Date	Oct 2, 2017
Book Page	005216/000333
Instrument	139568

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

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	$3,006.00 (+3.58%) Homeowner's exemption	$210,853 (+5.99%)	$258,500 (-2.53%) Land $65,000 Building $193,500
2024	$2,902.00 (+2.8%)
2023	$2,823.00 (+18.41%) Homeowner's exemption	$198,943 (+4.87%)	$265,200 (+15.51%) Land $60,000 Building $205,200
2022	$2,384.00 Homeowner's exemption	$189,705	$229,600 Land $55,000 Building $174,600

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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