Osceola County property record for 2948 Cialella Pass, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,004 sqft · built 1996 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $68,000 (Dec 2011) |
| Tax Bill | $646 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 128010 |
| Primary APN | 128010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,004 sqft Heated Area |
| Gross Area | 1,495 sqft |
| 1st Floor Area | 1,004 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Lot Dimensions | 105 ft deep x 60 ft wide |
| Garage Type | Finished |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 128010 |
|---|---|
| Old Parcel Number | 222630276200010430 |
| Street Address | 2948 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 43 |
| 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 | 43 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
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 | 2948 CIALELLA PASS, SAINT CLOUD, FL 34772-8873 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2011 · Amount on Record |
| Deed Sale | Dec 21, 2011 · Amount on Record |
| Prior Sale | Oct 21, 2010 |
| Deed Document Number | 0042141955 |
| Deed Book / Page | 4169 / 1051 |
| Prior Transfer Date | Aug 26, 2011 |
| Prior Transfer Doc | 2011118494 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2948 CIALELLA PASS, SAINT CLOUD, FL 34772-8873 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2948 CIALELLA PASS, SAINT CLOUD, FL 34772-8873 |
| Document Number | 0058412448 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 5841/2448 |
| Instrument | 2020162539 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $646.00 (+9.68%) Homeowner's exemption | $79,011 (+5.99%) | $232,600 (-2.15%) Land $65,000 Building $167,600 |
| 2023 | $589.00 (+2.08%) Homeowner's exemption | $74,549 (+3%) | $237,700 (+15.22%) Land $60,000 Building $177,700 |
| 2022 | $577.00 Homeowner's exemption | $72,378 | $206,300 Land $55,000 Building $151,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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