3924 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3924 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,268 sqft · built 2005
Lot Size	0.038 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jun 2026)
Tax Bill	$1,626 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0930`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0930`
Alternative APNs	`263004073100010930` `129512`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,268 sqft Living Area
Gross Area	1,541 sqft
1st Floor Area	65 sqft
Upper Floors Area	1,203 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.038 acres)
Garage Type	Attached
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3924 PEMBERLY PINES CIR
City	SAINT CLOUD
State	FL
Zip	34769-1545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PEMBERLY PINES PB 17 PGS 77-79 LOT 93
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	930
Legal Lot Number	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43203

Owner

3924 Pemberly Pines Cir is owned and occupied by an individual who bought it in June 2026.

Source: Osceola County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	3924 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Warranty Deed, Transfer · VA Mortgage PENTAGON FEDERAL CREDIT UNION
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 19, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2026 · Amount on File
Deed Sale	Jun 19, 2026 · Amount on File
Prior Sale	Jun 19, 2019 · Amount on File
Deed Document Number	202681245
Deed Book / Page	6991 / 809
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2026
Property Address	3924 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0000081245
Book / Page	6991 / 809
Instrument Date	Jun 17, 2026
Instrument	202681245
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3924 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

Mortgage

Document Number	0000081246,
Date	Jun 19, 2026
Instrument	202681246

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3924 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 PEMBERLY PINES CIRCLE, SAINT CLOUD, FL 34769

Mortgage

Document Number	0060902505
Date	Nov 19, 2021
Book Page	6090/2505
Instrument	2021180238

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2019
Property Address	3924 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0055432789
Book / Page	005543 / 002789
Instrument Date	May 29, 2019
Instrument	79043
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,064.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3924 PEMBERLY PINES CIR ST CLOUD FL 347691545, ST CLOUD, FL 34769-1545

Mortgage

Document Number	55432791
Date	Jun 19, 2019
Book Page	005543/002791
Instrument	79044

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3924 Pemberly Pines Cir was $1,626 with a homeowner's exemption, up 4% from the year before.

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	$1,626.00 (+3.96%) Homeowner's exemption	$133,739	$197,000 Land $35,000 Building $162,000
2024	$1,564.00 (+3.37%)
2023	$1,513.00 (+4.49%) Homeowner's exemption	$126,185 (+3%)	$194,100 (+20.48%) Land $14,900 Building $179,200
2022	$1,448.00 Homeowner's exemption	$122,510	$161,100 Land $14,900 Building $146,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3924 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

Wildfire risk around 3924 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.

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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