2943 CIALELLA PASS, ST CLOUD, FL, 34772
Active78 days on marketListed May 7, 2026MLS #G5111328
About this home
2943 CIALELLA PASS
Welcome to this updated home, freshly painted throughout. A charming entry walkway offers space to personalize with your own garden touches, leading to a glass-accent front door that opens into a bright and inviting layout. The kitchen features light cabinetry, granite countertops, and a stylish bar overhang with modern pendant lighting, perfect for entertaining. A full suite of stainless steel appliances including a brand new stove is included, making this space as functional as it is attractive. The open dining area boasts soaring ceilings and ample room for gatherings both large and small. Natural light fills the living space, highlighted by tall glass doors that lead to the fully screened in patio ideal for relaxing or hosting year-round. Both bathrooms are tastefully finished with granite countertops, and the primary suite offers a spacious shower with a built-in seating ledge for added comfort as well as a recently installed new toilet. One of the standout features of this home is the fully paid-off solar panel system, providing exceptional energy savings and long-term value, current electric bills available upon request to see the savings for yourself! Additional energy-efficient upgrades include an EcoNet water heater (installed 2021), helping keep utility costs low while supporting sustainable living. The home is complete with a spacious 2-car garage. Canoe Creek Estates residents have access to a community pool, picnic area, and playground as well! Conveniently situated with easy access to the Florida Turnpike and only about 20 minutes to Lake Nona, this home offers both comfort and accessibility.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,602
Sqft
0.12 ac
Lot size
1
Garage
1997
Year built
One
Levels
$212
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,771 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,771/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−3.1%
$/sqft vs St Cloud actives
$212 vs $221
Days on market
78 vs 33 typical
Where $212/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2943 CIALELLA PASS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$324,900
2901 CIALELLA PASS · same community
3 bd · 2 ba · 1,224 sqft · $265/sqft · 41 DOM
Sold · Jun ’26$291,500
2942 W CIALELLA PASS · same community
3 bd · 2 ba · 1,100 sqft · $265/sqft · 77 DOM
Sold · Dec ’25$315,000
2906 CIALELLA PASS · same community
3 bd · 2 ba · 1,090 sqft · $289/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2943 CIALELLA PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2943 CIALELLA PASS — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2943 CIALELLA PASS FAQs
What would the monthly payment be for 2943 CIALELLA PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,771/mo — principal and interest, the actual property-tax bill, the $31/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2943 CIALELLA PASS?+
The association fee works out to $31 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2943 CIALELLA PASS?+
The most recent tax bill on record (2025) was $5,213. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2943 CIALELLA PASS?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $339,000, this home is listed about 20% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2943 CIALELLA PASS?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$339,000 is 8% below the ST CLOUD 34772 median of $370,000, and at $212/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
78 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $380,000, now $339,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IAD REAL ESTATE · Karen Salter. MLS #G5111328.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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