2943 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2943 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,602 sqft · built 1997
Lot Size	0.121 acres (5,270 sqft)
Owner	2 Individual Names on Record
Last Sale	$324,900 (Sep 2026)
Tax Bill	$5,212 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0072-0001-0780`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0072-0001-0780`
Alternative APNs	`222630276200010780` `263022007200010780` `128043`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Living Area
Gross Area	2,054 sqft
1st Floor Area	1,546 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	292 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	2943 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 78
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES PH 2
Legal Phase	2
Legal Tract	72
Legal Block	780
Legal Lot Number	78
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 October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · FHA Mortgage COGENT BANK
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jul 25, 2022	Warranty Deed, Transfer · Conventional Mortgage RLM MORTGAGE LLC
Sep 23, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Jul 25, 2022 · Amount on Record
Deed Document Number	2026123019
Deed Book / Page	7038 / 2127
Prior Transfer Date	Jul 8, 2022
Prior Transfer Doc	0062570508
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2026
Property Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0000123019
Book / Page	7038 / 2127
Instrument Date	Sep 18, 2026
Instrument	2026123019
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	VISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229,704.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876

Mortgage

Document Number	0000123020,
Date	Sep 23, 2026
Book Page	7038/2129
Instrument	2026123020

Lender

Name	COGENT BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876

Mortgage

Document Number	0061510871
Date	Feb 15, 2022
Book Page	6151/871
Instrument	2022025476

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2022
Property Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0062570508
Book / Page	6257 / 508
Map Reference	MB 8 PG 92
Instrument Date	Jul 8, 2022
Instrument	2022113925
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1449 SUGARBERRY LN, 1449, SAINT CLOUD, FL 34772-7425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13721 HUNTWICK DR, ORLANDO, FL 32837-5513

Mortgage

Document Number	0006257517
Date	Jul 25, 2022
Instrument	6257/517

Lender

Name	RLM MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2019
Property Address	2943 CIALELLA PASS, SAINT CLOUD, FL 34772-8876
Document Number	0055932780
Book / Page	005593 / 002780
Instrument Date	Jul 25, 2019
Instrument	122851
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,606.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2943 CIALELLA PASS ST CLOUD FL 347728876, ST CLOUD, FL 34772-8876

Mortgage

Document Number	55932782
Date	Sep 23, 2019
Book Page	005593/002782
Instrument	122852

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

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	$5,212.00 (-4.23%)	$291,000 (-2.22%) Land $65,000 Building $226,000	$291,000 (-2.22%) Land $65,000 Building $226,000
2024	$5,442.00 (+1.47%)
2023	$5,363.00 (+33.87%)	$297,600 (+15.8%) Land $60,000 Building $237,600	$297,600 (+15.8%) Land $60,000 Building $237,600
2022	$4,006.00	$257,000 Land $55,000 Building $202,000	$257,000 Land $55,000 Building $202,000

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon, Xfinity.

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