3932 Pemberly Pines Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3932 Pemberly Pines Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,768 sqft · built 2005
Lot Size	0.029 acres (1,263 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Sep 2021)
Tax Bill	$3,365 (2025)
Deeds & Mortgages	Aug 2026 Sale Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0731-0001-0950`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0731-0001-0950`
Alternative APNs	`263004073100010950` `129514`

Interior

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	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3932 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 95
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PEMBERLY PINES
Legal Tract	731
Legal Block	950
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43203

Owner

3932 Pemberly Pines Cir is owned and occupied by an individual who acquired it in August 2026.

Source: Osceola County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
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
Aug 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on File
Deed Sale	Sep 9, 2021 · Amount on File
Prior Sale	Aug 21, 2019 · Amount on File
Deed Document Number	2021140131
Deed Book / Page	6040 / 447
Last Transfer Date	Aug 5, 2026
Transfer Doc	0000102163
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 5, 2026
Property Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0000102163
Book / Page	7015 / 1008
Instrument Date	Aug 5, 2026
Instrument	2026102163
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2021
Property Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0060400447
Book / Page	6040 / 447
Map Reference	MB 17 PG 77
Instrument Date	Aug 30, 2021
Instrument	2021140131
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3932 PEMBERLY PINES CIR, 3932, SAINT CLOUD, FL 34769-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33932 PEMBERLY PINES CIRCLE, SAINT CLOUD, FL 34769

Mortgage

Document Number	6040449
Date	Sep 9, 2021
Instrument	6040/449

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2019
Property Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545
Document Number	0055762996
Book / Page	5576 / 2996
Map Reference	MB 17 PG 77
Instrument Date	Aug 19, 2019
Instrument	2019108366
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3932 PEMBERLY PINES CIR, 3932, SAINT CLOUD, FL 34769-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3932 PEMBERLY PINES CIR, SAINT CLOUD, FL 34769-1545

Mortgage

Document Number	0055762998
Date	Aug 21, 2019
Instrument	5576/2998

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3932 Pemberly Pines Cir was $3,365 with a homeowner's exemption, up 3.6% 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	$3,365.00 (+3.57%) Homeowner's exemption	$230,887	$253,000 Land $35,000 Building $218,000
2024	$3,249.00 (+2.69%)
2023	$3,164.00 (+3.67%) Homeowner's exemption	$217,845 (+3%)	$255,900 (+20.99%) Land $14,900 Building $241,000
2022	$3,052.00 Homeowner's exemption	$211,500 Land $14,900 Building $196,600	$211,500 Land $14,900 Building $196,600

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

Flood

FEMA maps place 3932 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 3932 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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