Osceola County property record for 3915 Pemberly Pines Cir, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,588 sqft · built 2006 |
| Lot Size | 0.023 acres (1,045 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $80,000 (Sep 2013) |
| Tax Bill | $3,584 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 129496 |
| Primary APN | 129496 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,588 sqft Heated Area |
| Gross Area | 2,029 sqft |
| 1st Floor Area | 788 sqft |
| Upper Floors Area | 800 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,045 sqft (0.023 acres) |
| Garage Type | Finished |
| Garage Area | 423 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 33 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 129496 |
|---|---|
| Street Address | 3915 PEMBERLY PINES CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1543 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | PEMBERLY PINES PB 17 PGS 77-79 LOT 77 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PEMBERLY PINES |
| Legal Tract | 731 |
| Legal Block | 1 |
| Legal Lot Number | 77 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43203 |
The current owner of 3915 Pemberly Pines Cir bought it in September 2013.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 9533 SHELBY DR, WHITE LAKE, MI 48386-1859 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2013 · Amount on File |
| Deed Sale | Sep 6, 2013 · Amount on File |
| Prior Sale | Oct 17, 2007 · Amount on File |
| Deed Document Number | 2013140719 |
| Deed Book / Page | 4498 / 2082 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3915 Pemberly Pines Cir was $3,584.
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 | $3,584.00 | $234,700 Land $35,000 Building $199,700 | $234,700 Land $35,000 Building $199,700 |
| 2023 | $3,217.00 (+14%) | $235,600 (+20.82%) Land $14,900 Building $220,700 | $235,600 (+20.82%) Land $14,900 Building $220,700 |
| 2022 | $2,822.00 | $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.
FEMA maps place 3915 Pemberly Pines Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 File 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 risk around 3915 Pemberly Pines Cir is low, with a 0.03% annual chance of 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.
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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