2946 Cialella Pass, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2946 Cialella Pass, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,032 sqft · built 1996
Lot Size	0.121 acres (5,271 sqft)
Owner	Individual Name on File
Last Sale	$179,900 (Aug 2017)
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128011`

Property Details

APN / Parcel Number

Primary APN	`128011`
Alternative APNs	`222630007200010440` `222630276200010440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,032 sqft Heated Area
Gross Area	1,764 sqft
1st Floor Area	1,032 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	292 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	128011
Old Parcel Number	222630276200010440
Street Address	2946 CIALELLA PASS
City	SAINT CLOUD
State	FL
Zip	34772-8873
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 44
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	44
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records · APN 128011

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2946 CIALELLA PASS, SAINT CLOUD, FL 34772-8873
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 21, 2017 · Amount on Record
Deed Sale	Aug 21, 2017 · Amount on Record
Prior Sale	Jun 14, 2001 · Amount on Record
Deed Document Number	0051972302
Deed Book / Page	5197 / 2302
Record Updated	Jun 08, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2017
Property Address	2946 CIALELLA PASS, SAINT CLOUD, FL 34772-8873
Document Number	0051972302
Book / Page	5197 / 2302
Map Reference	MB8 PG92
Instrument Date	Aug 21, 2017
Instrument	2017121095
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2452 YELLOW BRICK RD, 2452, SAINT CLOUD, FL 34772-7843

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2946 CIALELLA PASS, SAINT CLOUD, FL 34772-8873

Mortgage

Document Number	0051972303
Date	Aug 21, 2017
Instrument	5197/2303

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,095.00 (+6.94%) Homeowner's exemption	$159,975 (+5.99%)	$253,200 (-2.35%) Land $65,000 Building $188,200
2023	$1,959.00 (+4.15%) Homeowner's exemption	$150,939 (+3%)	$259,300 (+15.4%) Land $60,000 Building $199,300
2022	$1,881.00 Homeowner's exemption	$146,543	$224,700 Land $55,000 Building $169,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Lumen Technologies DSL	140 / 20

May also be available: Verizon, Xfinity.

Based on FCC filings for 402 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.