Osceola County property record for 3905 Pemberly Pines Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,768 sqft · built 2006 |
| Lot Size | 0.029 acres (1,263 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Feb 2016) |
| Tax Bill | $3,452 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0731-0001-0820 |
| Primary APN | 04-26-30-0731-0001-0820 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 2,181 sqft |
| 1st Floor Area | 880 sqft |
| Upper Floors Area | 888 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,263 sqft (0.029 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 14 sqft |
| Patio Area | 33 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3905 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 82 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PEMBERLY PINES |
| Legal Tract | 731 |
| Legal Block | 820 |
| Legal Lot Number | 82 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43203 |
Source: Osceola County records, as of June 12, 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 | 3905 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CREDIT UNION |
| Apr 21, 2023 | Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2016 · Amount on Record |
| Deed Sale | Feb 24, 2016 · Amount on Record |
| Prior Sale | Dec 21, 2015 · Amount on Record |
| Deed Document Number | 201625483 |
| Deed Book / Page | 4917 / 596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 3, 2026 |
| Property Address | 3905 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543 |
| Document Number | 0000071790 |
| Book / Page | 6980 / 2045 |
| Instrument Date | May 26, 2026 |
| Instrument | 202671790 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3905 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543 |
| Document Number | 0000071790, |
|---|---|
| Date | Jun 3, 2026 |
| Book Page | 6980/2045 |
| Instrument | 202671790 |
| Name | FAIRWINDS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 1, 2031 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3905 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 3905 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543 |
| Document Number | 0063921838 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 6392/1838 |
| Instrument | 2023048165 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 17, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of November 26, 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 | $3,452.00 (-8.87%) Homeowner's exemption Senior Citizen's exemption | $247,400 (-0.92%) Land $35,000 Building $212,400 | $247,400 (-0.92%) Land $35,000 Building $212,400 |
| 2023 | $3,788.00 (+13.65%) | $249,700 (+20.98%) Land $14,900 Building $234,800 | $249,700 (+20.98%) Land $14,900 Building $234,800 |
| 2022 | $3,333.00 | $206,400 Land $14,900 Building $191,500 | $206,400 Land $14,900 Building $191,500 |
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 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.
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.
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 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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