3903 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3903 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,588 sqft · built 2006
Lot Size	0.024 acres (1,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Dec 2021)
Tax Bill	$3,042 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0830`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0830`
Alternative APNs	`263004073100010830` `129502`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	2,029 sqft
1st Floor Area	788 sqft
Upper Floors Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,045 sqft (0.024 acres)
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	33 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3903 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 83
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	830
Legal Lot Number	83
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

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	2 Individual Names on Record
Mailing Address	3903 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2021	Quit Claim Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Apr 14, 2021 · Amount on Record
Deed Document Number	2021200108
Deed Book / Page	6117 / 462
Prior Transfer Date	Apr 2, 2021
Prior Transfer Doc	0059351924
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2021
Property Address	3903 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0061170462
Book / Page	6117 / 462
Map Reference	MB 17 PG 77-79
Instrument Date	Nov 24, 2021
Instrument	2021200108
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	517 S 100 E, 517, BOUNTIFUL, UT 84010-5073

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3903 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0006117465
Date	Dec 28, 2021
Instrument	6117/465

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2021
Property Address	3903 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0059351924
Book / Page	5935 / 1924
Map Reference	MB 17 PG 77-79
Instrument Date	Apr 2, 2021
Instrument	2021056568
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$540.40
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4116 ORANGE TREE CT, 4116, SAINT CLOUD, FL 34769-1404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	0059351926
Date	Apr 14, 2021
Instrument	5935/1926

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$3,042.00 (+3.58%) Homeowner's exemption	$212,874 (+5.99%)	$234,700 (-0.38%) Land $35,000 Building $199,700
2024	$2,937.00 (+2.76%)
2023	$2,858.00 (+3.74%) Homeowner's exemption	$200,850 (+3%)	$235,600 (+20.82%) Land $14,900 Building $220,700
2022	$2,755.00 Homeowner's exemption	$195,000 Land $14,900 Building $180,100	$195,000 Land $14,900 Building $180,100

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 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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