3931 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3931 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,268 sqft · built 2005
Lot Size	0.037 acres (1,655 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jul 2018)
Tax Bill	$1,600 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`129488`

Property Details

APN / Parcel Number

Primary APN	`129488`
Alternative APN	`042630073100010690`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,268 sqft Heated Area
Gross Area	1,541 sqft
Upper Floors Area	1,203 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,655 sqft (0.037 acres)
Garage Type	Finished
Garage Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	17 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	129488
Street Address	3931 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 69
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	1
Legal Lot Number	69
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43203

Owner

3931 Pemberly Pines Cir, a townhouse, is owned and occupied by an individual who bought it in July 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 5, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2018 · Amount on File
Deed Sale	Jul 5, 2018 · Amount on File
Prior Sale	Jun 22, 2009 · Amount on File
Deed Document Number	2018102492
Deed Book / Page	5361 / 2113
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065220841
Date	Dec 20, 2023
Book Page	6522/841
Instrument	2023165494

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054130232
Date	Oct 5, 2018
Book Page	5413/0232
Instrument	2018149980

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	MILFORD, CT 06461

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054130245
Date	Oct 5, 2018
Book Page	5413/0245
Instrument	2018149981

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	SAINT CLOUD, FL 34769

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2018
Property Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543
Document Number	0053612113
Book / Page	5361 / 2113
Map Reference	MB17 PG77-79
Instrument Date	Jul 3, 2018
Instrument	2018102492
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3931 PEMBERLY PINES CIR, 3931, SAINT CLOUD, FL 34769-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3931 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1543

Mortgage

Document Number	2018102493
Date	Jul 5, 2018
Instrument	2018102493

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3931 Pemberly Pines Cir was $1,600 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$1,600.00 Homeowner's exemption	$132,264	$197,000 Land $35,000 Building $162,000
2023	$1,488.00 (+4.49%) Homeowner's exemption	$124,794 (+3%)	$194,100 (+20.48%) Land $14,900 Building $179,200
2022	$1,424.00 Homeowner's exemption	$121,160	$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 3931 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 3931 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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